I know, I know. Stay away from credit cards!However, I do have a question for anyone that is willing to help me out. I am relatively new to the motley fool, and I am sure this question has been answered before. I do have some credit card debt and am attempting to pay it down and off so that I can begin using the little money I have at the end of the month towards investing. The APR's on my cards are a burden. I have called them and threatened to cancel my cards and take my business elsewhere unless they lower my APR's, which all but one did. Still, I know there are card companies out there that would love to have my money and give me a much lower rate. I don't really want to card surf every 3 to 6 months on the incredibly low introductory rate cards. I would rather have a fixed rate at 7.9 to 9.9 APR. This could easily become an overwhelming task.So, my question is: Which banks or Credit Card companies/holders have the lowest rates, and how can I get them? I am sure I can browse the web until I am blind, but from the great advice I have seen dispensed on the Fool, I pose the question to everyone here in hope of expediting the process. Incidentally I have very good credit, especially over the last four years, although not perfect (some leftovers from the college days). My biggest problem is a recent move to Oregon. No one seems to want to give anyone a card if they have a new job (even though this one is far more stable than the last one). I tried to get a Capitol One card about 10 months ago (less than a month after my move) and was turned down. It was the first time I was denied credit for anything. Any advice is appreciated.