Questions regarding credit card APR

Started Feb 15, 2013 | Discussions thread
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truthsforme
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Questions regarding credit card APR
Feb 15, 2013

A lot of us here are gearheads, despite knowing that the gear doesn't entirely make the photographer's photos better. One of the things that comes with the territory of gearlusting is a lot of credit card headaches later on, lol. So maybe I can get some pointers from folks who may be in similar situations as me.

So first, can you improve your credit card's APR? Currently, my APR is 20%, so to improve it all I need to do is pay balance full on time? And does your APR determine whether you're in good or bad credit standing? And lastly, if I pay my full balance every time between billing periods, wouldn't that affect my credit score in a negative way?

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