Credit cards, where to start
After about six months, the honeymoon period ends and the interest rate shoots up to the real, double digit interest rate. Examine your credit card applications for the real interest rate, which is usually hidden in the small print or in a chart on the back. Use the real interest rate to sort your offers, and throw away the offers at the high end. Give your attention only to the offers with the lowest regular interest rates. The exception is promotional offers offering you a low rate for the life of the loan.