What are the chances of getting Chase or Citibank with decent APR?

[Anonymous]

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@Anonymous wrote:

I am asking this question for someone. He has only 1 credit card since last 5 years with a credit limit of $7,500 issued by BOA. He has 0 inquires on all three report. TU 815, EQ 834, and EX 804. What are his chances to get approved with a decent APR since he has only 1 credit card and never opened any other credit cards or loans. He wants to apply for only 1 credit card. Which credit card would you recommend?

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Define decent APR.

For some, any APR under 20% is decent. Others scoff at any APR over 10%..

Chase and Citi APR's in general are all over 10%.

[Anonymous]

Damn good, imo.

[Anonymous]

I'd say your friend should have their pick of the litter as long as their income is up to snuff.

[Chaselover]

No doubt he will get, ask him to apply for the CSP, check for preapproval first. I dont find any reason for him to get declined with those scores, 0 inq and usage of the 1 credit card. 

Hope he used the credit card and not just SDed it. 

[boosnark]

If APR is his only concern why not apply for a Simmons Platinum? FICO scores are high enough for that.

[baller4life]

Yeah tell him go for Simmons. Very low apr