This helps ensure you will be responsible only for those bills you agreed to pay. It also will help you establish or reestablish credit in your own name. TRW Information Systems and Services. The higher the APR, the more it costs you to borrow money. If you are among the majority of credit card users who never pay your monthly bill in full, do yourself a favor, get a credit card with the lowest rate you can find.
Many companies willingly give lower rates to customers who take the initiative to ask.
If that fails, write for resources on lower rate credit cards from the following sources. Your Guide to Auto Insurance Premiums in Central Pennsylvania is available from the PA Insurance Department. The guide has typical cost for several companies in selected counties. A question and answer format about car insurance is also included. Many credit card issuers offer card registration service to their users, either free or for a fee.