My question is, when should I expect to be able to get a credit card with an annual percentage rate less than 19.5%. I do not use credit cards but for emergency's and such but I can't stand the rate. If you have some advise I would love to hear it.This may not be what you're looking for, but you'd probably be much better off saving money up for an emergency fund and skipping the credit card. If you have enough in an emergency fund, your credit rate wouldn't matter. You could either do without a card, or if you did charge something you could use the emergency fund to pay it off within the grace period so the rate wouldn't matter. If you want a card for things like online purchases, same logic - pay it off during the grace period, and you won't ever have to worry about the high APR.
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