I want to get the credit card. so plz somebody help me what factor do i need to look at before signing the contract. or something like that. if APR is only the factor or something else do i have to check

Check to see if there is an annual fee and if the APR increases after 12 months.

There are various type of credit cards.
If you are going to carry the balance, look for 0% APR cards that goes upto 1 year and who does not charge you annual fee. If you are needing them to use for purchases and can make the full payment, its better to use reards cards.

Balance transfer cards start with introductory APR rate of 0% and end at somewhere between 8.9 to 21.9 or so.
Purchase Apr credit cards starts from 9.9 to 24.9 or so.

Best credit card banks:

1. Bank of america. Default rate of 8.9-9.9 for all balance transfer or purchases. no balance transfer fees. no annual fees. sounds good to have it all the time. generous credit line. hassel free application and approval. ( in my case, they always send me 0% APR for 1 year straight, no annual fee, no balance transfer fee). I am loving it.
There are airmiles cards from bank of america if u use them for purchases only.

2. American Express.
American blue gives you 0% APR for upto 15 months. no rewards. you may change it to blue cash once you use the introductory period. no annual fee for american blue.

3. MBNA - Mbna has lots of cards to offer depending on your credit worthiness.
APR starts from 0% to 8.9% for balance transfer cards.

4. Chase - Chase also has few cards. Just check out their website and findout the best one you need.

5. Discovercard - I don't like them that much but they still provide some tricky offers sometimes. good to have an option.
6. CITI Bank also offers lots of cards. they ahve few 0% rewards cards.
( try to apply for the platinum instead of student if u are a student)
make sure you keep your income little higher than what you make.

best time to apply for new credit card.
1. no inquiry with in 6 months.
2. no late payments with in 6 months to a year.
3. if the balance is less than 10-12% comparing to your available credit limit.
4. if you have paid off all the balance before 30 days and does not carry any balance now.
5. If you have not taken any bank loan , any type of loan recently.
6. if you do not carry too many cards already.
7. if you are not seeking too many cards with in 2 years.

some factors that helps you to get good credit.
* home address instead of apt
* phone on your name
* at least one departmental card ( store card, gas card). do not get more than one or two
* has at least one american express revolving card.
*has at least each of visa and mastercard.
* has a credit limit more than 10K on at least 1 or 2 cards.
* has auto buying experience or mortgage experience and at least 6 months payment reflected.
* verified work address with phone number.

what are negative factors?
1. late payment
2. too many cards with small credit lines.
3. too many store, departmental cards.
4. too much balance comparing to your available credit.
5. slow payment.
6. apt address.
7. short length of credit history.
8. too many inquiries with in recent 6 months.
9. too many addresses used.
10. more than one name appreared in credit history.
11. more than one SSN refleced on credit report or different dob used .

there are many more...

If you pay the balance regularly, and looking for cash back cards go for AT&T Universal credit cards or CITI student cards. AT&T card has 11...% APR but CITI student has 17...%. Both of these have 5% cash back on gas, supermarket, drugstore purchases and 1% on others. AT&T also gives 30 minutes tel. call free every month.

Hope this helps

thx for all the info. i really appreciate that