Any low FIXED Rate CCs you would recommend?

[galahad15]

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@baller4life wrote:
galahad can you do me a huge favor? Unify is a hot topic over in the Official Credit Union Guide in Applications. Would you please copy and paste the posts you have made in this thread about their cc? It would be extremely helpful to alot of our members. 😉

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Sure thing, would be more than happy to arrange for you as requested baller    Please stand by and I will be sure to arrange ASAP.

[Themanwhocan]

Anyone in California should be able to join Bournes Employees Federal Credit Union via the California Consumer Council (promo code 'consumer' for free membership).

fixed rates start at 4.99% according to their web site

[galahad15]

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@Themanwhocan wrote:

Anyone in California should be able to join Bournes Employees Federal Credit Union via the California Consumer Council (promo code 'consumer' for free membership).

fixed rates start at 4.99% according to their web site

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Wow that is amazing news, many thanks and much appreciation for that info themanwhocan!    I don't live in CA, but if I ever move there in the future, I'll definitely know who to bank with!

[Anonymous]

I think I barely was approved for the Bourns Employee Federal Credit Union but I have a fixed rate of 7.49%. I visited their branch once and it was pretty cozy.

[Anonymous]

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@galahad15 wrote:

Oh -- one other important thing about Unify, the CU rep also said that apparently, you will need a minimum starting CL of $14k (ETA:  or maybe $11k; sorry can't recall the exact figure atm?) IIRC to qualify for their 8.99% F Platinum card, since they have 3 tiers:  Classic, Gold, and Platinum.  If you qualify for a starting limit of less than $14k, you automatically qualify instead for the Gold card, of which the lowest-available APR of that tier is 9.99% F.  Similarly, the lowest-available rate of their Classic card is 12.5% F.

ETA:  just to clarify and if I am hopefully remembering right, I think the min. starting CL for the Gold card is $5k, otherwise if your SL is less than $5k, you are automatically qualified for the Classic card instead of the Gold card.

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Thank you.  I hope I qualify! It would be so nice to have atleast one low-fixed rate card in my portfolio.

[Anonymous]

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@galahad15 wrote:

Oh -- one other important thing about Unify, the CU rep also said that apparently, you will need a minimum starting CL of $14k (ETA:  or maybe $11k; sorry can't recall the exact figure atm?) IIRC to qualify for their 8.99% F Platinum card, since they have 3 tiers:  Classic, Gold, and Platinum.  If you qualify for a starting limit of less than $14k, you automatically qualify instead for the Gold card, of which the lowest-available APR of that tier is 9.99% F.  Similarly, the lowest-available rate of their Classic card is 12.5% F.

ETA:  just to clarify and if I am hopefully remembering right, I think the min. starting CL for the Gold card is $5k, otherwise if your SL is less than $5k, you are automatically qualified for the Classic card instead of the Gold card.

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Thank you.  I hope I qualify! It would be so nice to have atleast one low-fixed rate card in my portfolio

[Anonymous]

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@Themanwhocan wrote:

Anyone in California should be able to join Bournes Employees Federal Credit Union via the California Consumer Council (promo code 'consumer' for free membership).

fixed rates start at 4.99% according to their web site

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If only I lived in Cali!  

[CreditDunce]

My fixed rate card is the SSFCU Power Travel Rewards.  Purchase APR is currently 10.25 - 11.25% variable.  Balance transfer APR is 7.9% fixed.   I figure if I need a low/fixed rate card, I can use my reward cards, then BT the balance.  It has no BT, CA or FTF fees.   Of course, I would check other BT options.  It is just nice to have a known BT offer in my back pocket.   The PTR card has decent rewards 3.3% back for travel, gas and restaurants.

SSFCU pulls TU.  When I app'd they weren't thrilled with all of my new accounts (manual review), but did offer me the card. Min limit 5k.  They are a decent sized CU, but are geo limited to several cities across the SW.   I don't know of any back doors to join if you don't live in their service area.

[galahad15]

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@Anonymous wrote:

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@galahad15 wrote:

Oh -- one other important thing about Unify, the CU rep also said that apparently, you will need a minimum starting CL of $14k (ETA:  or maybe $11k; sorry can't recall the exact figure atm?) IIRC to qualify for their 8.99% F Platinum card, since they have 3 tiers:  Classic, Gold, and Platinum.  If you qualify for a starting limit of less than $14k, you automatically qualify instead for the Gold card, of which the lowest-available APR of that tier is 9.99% F.  Similarly, the lowest-available rate of their Classic card is 12.5% F.

ETA:  just to clarify and if I am hopefully remembering right, I think the min. starting CL for the Gold card is $5k, otherwise if your SL is less than $5k, you are automatically qualified for the Classic card instead of the Gold card.

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Thank you.  I hope I qualify! It would be so nice to have atleast one low-fixed rate card in my portfolio

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Good luck & best wishes, if you end up deciding to app -- I for one am definitely rooting for you!! 

[Anonymous]

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@Themanwhocan wrote:

By the way, i fixed the missing charts in my sticky thread.

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sorry buddy wasn't nagging! lol. but I do have your charts i my signature for a reason! lots of useful info even if it isn't updated to the minute!  also your pic beneath your username is also broken, just a fyi lol.  thank you for all that you do!