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Here are some highly recommended credit cards.
 US West Rewards Card
New card! Only a month old or so! For those who insist on paying their bills in full at the end of each month and never pay finance charges we currently recommend looking into the US West master card. Earn interest on what you spend! US West has a mastercard which supposedly pays up to 2% cash back and has no limit to the amount rebated back from the "cash back" program. It also supposedly has no annual fees what so ever. The first 6 months appears to have an APR of 9.9%. Give them a call at: 1-800-353-5409.
For those of you who revolve a balance on your credit cards and want to apply for a low Annual Percentage Rate card then we recommend the following:
 First USA (5.9% APR) You may also call direct at 1-800-955-3050 and ask for the details on the First USA credit card at an initial 5.9% APR for all balance transfers and all purchases for the first 6 months. The APR after the first 6 months is currently fixed at 13.99% thereafter.
 Or find the card which is best for you. Of course the best cards for people with good credit who do not revolve a balance are listed under the Rebate card section.
If you are having trouble getting credit with various companies we advise getting a free complimentary copy of your credit report from TRW. TRW will issue one free copy of your credit report each year. We do not recommend having a "credit fixing" company take care of these problems for you. Most bad marks on your credit report cannot be fixed unless they are truly errors on the report. If they are not errors then they basically take time to mend. To call TRW directly dial 1-800-392-1122.
To receive your complimentary copy of your credit report from TRW you must write a letter to:
TRW
P.O. Box 8030
Layton, UT 84041-8030
You must indicate your full name (First, middle, last) including any generations (ex. Jr., II, III)
Your spouses name.
Your present home address. (Also indicate your home address for the past 5 years to be sure that TRW has one of the addresses on file.)
Social Security number
Year of Birth
A billing statement (such as your local telephone or electric bill) which confirms your name and home address, or a photocopy of your valid drivers license which states your name and present home address.
(your credit report will be sent back to you in 3-4 weeks time)
Consumer Group USA's Homepage
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