Don’t wait for good credit card offers. That does sound like a very nonsensical remark, but it has a lot of truth behind it. Although credit card companies are known to offer great rates in order to convince you to choose them as a credit supplier, once they have you hooked, they may let you sit at whatever rate you joined at – even if over time you deserve a better rate. Rather than waiting for them to come out and offer you a good interest rate, you need to go to them. So yes, don’t wait for good credit card offers – actively seek them with your current credit suppliers.