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Credit cards are nothing new to American consumers. Everywhere you look, Americans are constantly being requested to submit an application for a new bank card! Now, you probably understand exactly what the selling point is with most cars, THE interest! It is basically because the interest rate or APR in your own credit card delegates just how much money you will need to repay within the life of the loan. A lower rate of interest rate means that you're likely to pay less back! Because of this generally known fact, I am asked the same question time and time again, "how do you get lower rates of interest on my bank card?" Sadly is not an obscure one size fits all response for this question. The response really depends on a few crucial factors.

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