Are you indecisive regarding which credit card to opt for? If your answer is yes, I have a few suggestions. Avoid picking a credit card just because of it's low introductory rate. More and more credit card issuers offer incentives like this as they know these are the big selling tools and consumers love them. If you intend to carry a balance on your credit card for much longer than six months, you should always choose the card with the lowest average purchase ratio(APR), not the one with the lowest introductory rate. Doing so will result in saving you a lot in interest charges in the long run if you always carry a big balance on your cash card. So whenever you receive a credit offer at a special introductory rate, go immediately to the terms and conditions and find out the regular rates after the special introductory period is over.