Need a decent credit card? Here are some credit cards that actually got the best rating:
Capitol one Prestige: 7.9% interest and they will not raise rate due to you defaulting unless you make a payment three or more days late and more than twice a year.
Clear/American Express: 0% for 12 months and then 5.9% on balance transfers for life. They claim this one is really liberal with one month grace periods. No fees for late payments, cash advances or over the limit fees. They even give you your free credit report WITH your score once a year for free.
I know we all do not have good credit but for those who have finally gotten there and post here to help others these cards could be a wise choice. I know when I had bad credit it was the over the limit fees and annual charges that helped set that bad credit ball rolling. Hope this helps anyone out there looking for a decent card.