...it off? I ran up about $1,700 but have paid it off before they started charging me interest. My APR is 19% and I am in college. Since I have paid all my payments on time and now paid the entire thing off can I get a credit card with a lower APR?

it depends on if you save money in a bank account or not, try to visualize your family losing jobs and having no income unexpectantly. i know from experience. lost my house and all. if you have enough money in the bank to pay your bills and two credit cards then sure.

Yes, but go ahead and cancel the one with the interest rate of 19%. There is no need to have 2 credit cards. If you have 2 of them, you may be tempted to use both of them.

Good Luck!!

-yes I heard that the more credit cards the lower your interest rate,.,..,
good luck,.., bye
http://www.transunion.com

yes but wait a bit first. dont do too many hits on your credit file.

Yeah. Go for a rewards card with no annual fee. Chase FREEDOM. Don't worry about the hits on your report. It's only a loss of two points and you're losing money on those rewards you could be earning.

If you have no debt now, wait, the mail offers will come. If you call and ask, you are in their court.
APR's may come down, so you will be better to wait. If you need short term loan, talk to bank. But be clear you want a low amount, and for one yr, that your purpose is to help you establish good credit.

Call the credit card company you have now, and ask them to
lower your rates. They would rather lower your rate rather than
lose you as a customer. If they don't. Then shop around. <}:-})