You should also analyze your current debt load. Run your numbers through a debt check-up calculator and find out where you stand. Remember that your debt history follows you. There isn't much that credit bureaus don't know about your past. TRW , one of the largest credit reporting bureaus in the world, answers some common questions about what they know and don't know about you and tell you how to check your credit history.
Credit cards are somewhat like cars in that there are a million deals for the same product.
Thousands of companies offer MasterCard and Visa, but all at different rates. Comparison shopping is important. Compare different credit card interest rates and find the one that will be the best for you at the lowest cost. Household Finance Corp. A guide to different types of credit, managing debt and improving your credit rating. Nicely written with no sales pitch.