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Credit Card Tips - FICO Scores

Credit card companies use 3 numbers, known as your FICO score to determine whether or not to give you credit. And the rule is the higher your FICO score the lower the interest rate you will pay. The lower your FICO score the more interest you'll pay. FICO scores range from a low of 300 to a high of 850. If you are below 500 you are considered a huge financial risk and are placed into a sub-standard interest rate category.

Your score reflects a combination of things, such as whether you pay off your credit card balances each month, whether you pay other bills on time, how many cards you have, and what percentage of your credit card limit you use each month, etc.

You can read more balance transfer tips here.

Use the power of 0%. The offer below is our editor's pick and pretty good, quite simply put. Also, with 0% interest on purchases, that is the same as cash. Just be sure to pay it off in 12 months or less. In other words, spend wisely.

0% apr for 12 months on purchases and balance transfers

The GM Card® The new GM Card® will move you faster toward the car or truck you've been dreaming about. Spend just minutes filling out the online application and we'll give you an instant online decision.

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