Bad credit credit cards, a primer
The key to disappointing a credit card company and keeping your wallet fat is to get the card with the lowest regular interest rate, then watch your spending as though you were already paying the full regular rate on your purchases. To puzzle out which interest rate is a credit card's real rate, look for the fine print or find the chart that lays out the rates. Look for the standard cash advance annual percentage rate (APR) and the standard purchase APR. These are the rates you will pay after the introductory period ends. Compare all the student credit card offers you have received, paying no attention to the introductory rates and all the frequent flyer miles or other frills.