How to Get a Low Interest Credit Card Without Breaking the Bank

If you are looking for low interest rate CC, you have quite a few options available. There are many banks and companies out there that offer various options and card types, and this makes it more difficult for you to find the best one that will suit mostly your needs. This is why it's important to know the basics, so you have an easier time wading through all that credit card information before you decide on one.

There are many credit card companies that offer an introductory low interest rate. Sometimes this low rate can be as low as 0% up to the first one year. Several banks offer these types of cards, including American Express, Chase, City and so on.

The problem comes when the introductory offer is over and you have to pay a Purchase APR interest rate. This basically is an Annual Percentage Rate which can be quite high. Depending on your credit score it can be low as well, down to 9%. If you have a good credit score you can even get cards with an APR as low as 5.5%, but you have to do some searching of your own to find them.

It is also important to know about the letters "V" and "F". "V" means variable, while "F" means fixed. If your card has a "V" on it, it means that the rates can change at any time, while "F" means that you have all the times the same rate. Obviously it is better if you have a credit card with an "F" on it rather than one with a "V", since your APR will stay at the same level as originally agreed.

How much credit and APR you will be able to get depends on your credit score greatly. There are however places that can give you credit cards with great APR and low interest rates if you only find some great deals which are out there. For example even if your credit score is rather poor, if you can show that you had steady income for the last couple of months, there are CC companies who will be forthcoming and help you with a deal that will be suitable to your income level.

Just make sure that you check out the small print as well, so you don't end up with some high APR that you won't be able to ever pay back.

This is why improving your credit score is crucial even before you apply for a new CC. Make sure that all your bills are paid on time and don't ever let them go to collections. Keep your credit card balances very low, even at zero if possible, and every year once check your credit score. If you have a high credit score, many doors will open to you, including getting low interest rates on car loans, or mortgages, on personal loans, and of course on credit cards.

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Photo Exhibition: "Mosques in Germany"

In Germany more and more mosques - Character religious self-awareness and successful integration, a source of fierce controversy. The photographer Wilfried Dechau traveled last year by Germany to the worship of Islam in the context of German Stadtbilder noted that their internal architecture, the Friday prayers, imams, children, men and women. In March and April, the Goethe Institute, the result of his photo-reportage in from Jakarta.

In the Cologne district of Ehrenfeld in 2010 created a mosque, whose construction, mainly due to the planned height of the minarets in the city controversial. Residents feared a Überfremdung their neighborhood, the right citizens' movement "Pro Cologne" made front against the "big mosque." In August 2008, the City Council, despite all the construction. Two months later, opened in Duisburg, the largest mosque in Germany with almost no protests. The Merkez Mosque is now in Europe as a flagship model of successful religious integration.

The mosques in Duisburg and Cologne are only two examples in the past year were discussed. In Germany there are now 206 mosques and about 2600 Bethäuser, most were already in the seventies. Some 120 mosques in Germany, are currently being built or are planned.

The Stuttgart Wilfried Dechau photographer traveled in March and April 2008 by Germany and photographed mosques in the context of German Stadtbilder: their interior design, the Friday prayers, imams, children, men and women in the prayer houses. The photo reportage was born in Pforzheim, Penzberg, Mannheim, Wolfsburg, Aachen, Karlsruhe, Hamburg and Stuttgart.

In Indonesia, where Muslims, about 90 percent of the population, shows the Goethe-Institut Jakarta from 1 to 14 April 2009 jointly with the Islamic University of Paramadina in the exhibition "Mosques in Germany" Sixty Dechaus pictures from photo reportage. The pictures are also a cause for discussion: At the panel "The Role of Islam in Germany: History, Present, Future" talks among others Prof. Dr. Monika Wohlrab-Sahr, director of the Institute for Cultural Studies at the University of Leipzig, about religious freedom and the Islamic life in Germany. Other topics of discussion are human rights and tolerance.

Following the presentation in Jakarta, the exhibition goes on tour to Malaysia, Singapore, India, Turkey and the Middle East. The exhibition will be the catalog "mosques. Mosques "with contributions, inter alia, by Claus Leggewie, Lamya Kaddor and Christoph Welzbacher when Wasmuth Verlag.

quoted from here

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