It is preferable to have a low interest rate.
Explanation:
Most common people do not have enough reserves to let the credit accumulate over a high interest rate that they can pay off, neither do they have immediate funds to pay back instantly for the credit.
The regular person needs credit often month by month basis and not more than that.
This means that they should use the cards with the least interest rates as they need less money and they also want to keep it for the less amount of time essentially.
