Low interest credit cards from the beginning
) People who tried this method discovered that over half the time, their credit card company was willing to reduce their interest rates. On average, their rates dropped 5 to 6 percent. Some customers got their interest rates lowered by half. That is a significant reduction and remarkable savings, especially when you have an interest rate as high as the rates typical for a credit card for bad credit. Two of the most important determinants of whether a customer got a rate reduction were their credit rating and the length of time they had had their credit card.