When credit card companies used to call me and tell me their interest rate , I would tell them that I don't care what the rate is because I pay it off at the end of the cycle anyway. They never called back. They did not want me.

Advice: Get a card that gives air miles and pay it off monthly, then who cares what the interest rate is? I haven't paid for an airline ticket for years and I haven't paid any credit card interest. It is a win win situation.

Not everyone is able to do this, but the quicker you can, the better. Imagine: Getting free airline tickets just because you pay it all off on time.

As AuntyM says, "Stick it to em".