Advice For My Existing Credit Card?

Question

I just got my Capital One credit card in January. It had 0% interest for six months (Aug 1). I had no credit when I got it and now have a better score of 650--not the greatest, but way better than what I did have. (I pay off the balance every month in full before the due date).

My question is, is there any advice for transferring to another card to avoid the interest rate now, is that even possible, and how to keep building my credit??

I pay all of my bills on time (or try to).

Answer 1

Also, once you have transferred don't close that account, just don't use it, it will bring your FICO score down.  Continue to pay your bills on or before time.  And don't open up more credit cards for now anyway.

Answer 2

I agree with what the other answers have already said.  Keep your current account open.  Don't switch balances between cards to avoid an interest rate especially since you pay your balance each month.   Don't take on debt just to improve your credit score.  Keep paying your bills on time, your credit score will improve.

God bless!

Answer 3

1. yu alredee duit...pae bills on time is most portant fakter.

2. how long yu hav kredit is sekond, so keep the kk.

3. Dont pae games & tri tu alwaes get 0% bi switch kards.  Theer R a lotta hidden traps em mite du tu yu.  Yu was lukky it werked the first time yu tried.