Resist the temptation to apply for more credit cards after you have enough to meet your needs. Every time you apply to get a credit card you will see it reflected in your credit score because it can make it lower. Most of the time, when an offer shows up in your mailbox, you should be weary of high interest rates. Negotiate your interest rate. You can negotiate with the company that owns your credit card and try to get a lower interest rate. If you have made all your payments on time and have proven to be a good customer, chances are they will give you a lower APR if you ask. As noted earlier, too often, consumers find themselves frustrated and discouraged after dealing with a credit card company. To get a credit card that works well for you, spend the time to learn about your options before you apply. Use the suggestions from the above article so that you can enjoy owning a credit card a lot more.