I get applications in the mail and see ads on television all of the time for low APR credit cards as well as 0% APR credit cards, are these a good deal for me? Originally, low APR credit cards were a marketing scheme in America. However, they have now become a big part of the credit card industry. A low APR credit card can help a person reduce debt as long as he knows what he is doing and pays attention. They can be valuable in the consolidation of debt, lowering of payments, and giving a little bit of financial relief for those with high debt.

So how can you use a low APR credit card to reduce debt? Let