Your credit rating will have a lot to do with the amount of interest you pay on any credit card.  The better your rating, the lower your interest.  Also, having a good credit score gives you more pull when talking with your credit card company.  As a customer, you have the right to call the company and haggle over the interest rate of your cards.  If your credit score is on the lower end, the company won’t do much about fixing your interest rates.

Some card companies will actually drop your interest rates if you transfer the balance of other cards to theirs.  However, always be careful here as they may come in a few months later and hike the rates once again.  Transferring all your cards to a zero percent interest credit card might be just the trick to helping your credit score go up and making it easier to pay off that card.

If you have a good credit score, you don’t have to be locked into a high interest rate.  Most credit card companies are more than willing to work with you to keep your business.  With a little research, you can get a zero percent interest credit card.  Don’t settle for just any card, take the time to do your homework and find one that works for you instead of against you.