How to Qualify for a Good APR for Credit Card?

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    Build and maintain a strong credit score: This is the single most important factor. Here’s how:

    Pay your bills on time: Payment history makes up 35% of your credit score. Consistent on-time payments demonstrate responsible credit management.
    Keep your credit utilization low: Ideally, aim for below 30% of your total credit limit. This shows lenders you use credit responsibly and don’t max out your cards.
    Reduce existing debt: High debt-to-income ratio can hinder your score. Pay down existing debts strategically to improve your overall creditworthiness.
    Limit credit inquiries: Applying for numerous cards can decrease your score temporarily. Only apply when necessary and compare offers beforehand.



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