MaryMary

If you pay your bills on time each and every month, you will soon start to get offers for better credit cards with better rates and balance transfer offers.

Keep paying those bills on time even if it's only the minimum payment.

maddie

I absolutely agree. I built my credit back up, and followed what you outlined above and I soon received much more favorable rates.

louj

You should also build a good reputation so that credit card companies will be able to give you higher credit limit and lower interest rates (if it is possible). Paying on time will definitely improve your personal reputation to them and more companies will be glad to have you as their client and give better service for you to win you over to build an account with them as well

reachkannan2003

yes guys all your words are true...i also followed the outline mentioned by marymary

Jerlene

It's kind of hard to keep up with the bills. I get a ton of offers though. No need for more than one card though.

onlineexperts

It is a smart thing to always pay on time rather than be charged with interests all the time. I know that there are also people out there who are happy with their current card and their offers; but it won't hurt to see if there are still far better offers from other companies that you can benefit on in the long run.

sood123

Yes minimum payment helps you to avoid maximum interest rates.

SoulasisMusic

I pay the maximum because I can't stand the fees. It's OK for other people to pay the minimum when you can't make the maximum though.

mari_123

Its the best habit to always pay your dues on time even if they are minimum amount due on your card. Altogether these minimum amount pile up and turn out to be collosal debts which become difficult to paylater.

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laker110

Ya, i am paying all my bills on time but till day , i haven't recieved any such offer. Hope to hear it soon........