Introductory rates are increasingly getting better. In fact, introductory interest rates fell by 8.7% relative to the Bank of England base rate, between 1998 and 2004, according to Datamonitor, an information company that provides industry analysis for financial services

Technically there is no such thing as a 0% credit card, but you can avoid paying interest by paying your balance off in full before the due date. All credit cards offer interest free periods on purchases, which lasts about 55 days, depending on the provider.

Although you can find 0% credit card interest deals for introductory periods, there are no cards with a standard 0% interest rate. After all, credit card companies need to make money.

Your bad credit rating could be due to any of the following things.