We can all use a credit card, since sometimes when cash is low we can payoff debts to avoiding hassles from creditors. If you have a major credit card it will take care of the problem for now, but at the end of the month, you will need to make sure that you repay the balance on the card. In this article, I am going to provide you with a short list of credit cards with details including, rates of interest, cash back programs, points systems and so forth to help you get a better understanding of how credit cards can help repair credit. The APR or Annual Percentage Rate is the main priority when considering a credit card, since if you apply and are approved of a credit card and the interest rates are high. Then you are setting your self up for debt problems.

Nowadays, nearly every company has their own credit card offers. AT&T offers credit cards, which include the AT&T Universal Platinum MasterCard. The card offers 0% Annual Percentage Rates for up to one year or '15 months," which includes a "9.49%" Annual Percentage to the extent of the 'introductory' trial. Capital One also offers credit cards with 0% Annual Percentage Rates. Citi Platinum Select cards offer 0% up to 9 months, and then the rates go up to "9.49%."

Chase Platinum Visa/MasterCard also offers 0% Annual Percentage Rates on a introductory time of six months, and then the rates go up to "8.74%."

Citi Driver's Edge Platinum Select has an 0% Annual Percentage Rate up to one year, then the cardholder can earn '5%' rebates on any purchases made on the card up to nine months and then they will receive "1%" rebates from then on.

Citi Dividend Platinum Select offer cardholders nine months of 0% interest rates and then the cardholder can get "5%" refunds on spending at gas stations, pharmacy, or superstores. After the introductory time has ended, the cardholder will receive "1%" refunds on any purchases made on the card.

The Discover Platinum Credit Cards, may offer a 0% "Introductory" Annual Percentage Rate up to one year and the fees may be as little as "7.99%" during the introductory time. Citi, Discover, Capital One, and many other card providers offer a variety of rates and cards to choose from, and few of the cards offer rewards, including points and cash back. Regardless of the card you choose, it is important to look for the cheapest rates, including rates of interest and fees incurred for using the card.

HSBC Platinum MasterCard Has no Annual Percentage Rates, free billing pay online, 0 'liability for fraudulent use' under a 'purchase protection." Once you go online and complete a form to determine if you qualify, some providers will offer you products. The introductory percentage rates on some HSBC cards will not 'apply' on cash advances. HSBC also has a penalty stipulated in its terms that if you miss payments, or late during a couple of cycles then you will be charged interest. You can view the details in the contract under the "Customary APR." It is important to pay on time, since the "Variable Customary APR" can add up to "18.74%' if you fail to show trust worth.

Balance Transfer HSBC also have a balance transferring fee, which may include "3%" per e"$15 minimum," not exceeding "$75." NOTE: HSBC providers may change the rates on the cards; therefore take note of any details laid out in the contract before signing to get the cheapest deals.

Blue from American Express has some of the cheapest rates of interest also. Blue from American Express offers a 0% APR introductory 'up to 15 months." There are "NO annual" fees, and offers a 'free reward program." Don't be fooled by the slicks that claim to get you instant approval. If you have credit issues, or else no credit you may be rejected, or else referred to another credit card. If you have bad credit you may want to checkout the High-Risk Credit Cards, since your chances of getting these cards are often higher than getting standard credit cards.

About the author:

Tony Robinson is a careful and experienced credit card user, He is also a Webmaster and International Author. Check out his credit card tips at http://www.ezy-credit-card.com/