Awesome invitation... NOT!!

[longtimelurker]

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@noobody wrote:

why APR is an issue when you can pay in full?

a no annual fee card to build you credit history is not a bad deal.

do they give 25 days grace period as most of the card here?

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a) Because sometimes you may not be apple to pay in full and b) there are other better cards, just as there are here.

59.9% is only an example BTW, the T&Cs list:

The interest rates applicable to the credit agreement will be from one of Tiers A) - H) below:
Tier A) Purchase/Balance Transfer annual rate 19.94%, Cheque annual rate 29.93%, Cash annual rate 37.57%; or
Tier B1) Purchase/Balance Transfer annual rate 29.84%, Cheque annual rate 39.94%, Cash annual rate 48.26%; or
Tier B2) Purchase/Balance Transfer annual rate 29.95%, Cheque annual rate 39.94%, Cash annual rate 48.26%; or
Tier C) Purchase/Balance Transfer annual rate 34.95%, Cheque annual rate 44.95%, Cash annual rate 53.63%; or
Tier D1) Purchase/Balance Transfer annual rate 39.84%, Cheque annual rate 49.94%, Cash annual rate 58.95%; or
Tier D2) Purchase/Balance Transfer annual rate 39.94%, Cheque annual rate 49.94%, Cash annual rate 58.95%; or
Tier E) Purchase/Balance Transfer annual rate 49.94%, Cheque annual rate 59.94%, Cash annual rate 69.67%; or
Tier F) Purchase/Balance Transfer annual rate 59.94%, Cheque annual rate 69.94%, Cash annual rate 80.38%; or
Tier G) Purchase/Balance Transfer annual rate 69.94%, Cheque annual rate 79.93%, Cash annual rate 91.12%; or
Tier H) Purchase/Balance Transfer annual rate 79.93%, Cheque annual rate 88.23%, Cash annual rate 99.99%.

So from 19.9 to 79.93.  Quite a range.

[Irisa]

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@longtimelurker wrote:

Sadly for the OP, like all UK cards, this is only available to residents of the UK.   Still, worth relocating for an offer like that!

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I would not relocate. Unless I was guaranteed an offer from Tiers G or H. 

LOL 

[longtimelurker]

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@Irisa wrote:

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@longtimelurker wrote:

Sadly for the OP, like all UK cards, this is only available to residents of the UK.   Still, worth relocating for an offer like that!

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I would not relocate. Unless I was guaranteed an offer from Tiers G or H. 

LOL 

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Dream on!

[yudeology101]

I really hope that one of the members here in the forum is NOT a high executive for First Premier who may get ideas reading this post lol

[sailor_mercury]

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@yudeology101 wrote:

I really hope that one of the members here in the forum is NOT a high executive for First Premier who may get ideas reading this post lol

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Before joining this Forum I got an offer from Green Dot Financial for a unsecured personal loan...... For the BARGAIN APR of 899.something%...  But they were illustrating the HUNDEREDS they were going to save me over a 3000-something% payday loan.  And I would have more time to pay with flexible terms!!!  Never in my life have I ever had a payday loan or pay advance.  Even when I had been laid-off for over a year (we could have taken a payday loan against my ex's retirement income).

I couldn't WAIT to accept their offer...... NOT!!!!!!!!!!!!!!!

[lg8302ch]

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@Irisa wrote:

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@longtimelurker wrote:

Sadly for the OP, like all UK cards, this is only available to residents of the UK.   Still, worth relocating for an offer like that!

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I would not relocate. Unless I was guaranteed an offer from Tiers G or H. 

LOL 

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+1 

I would love to get the 99% APR...and this would make my Freedom with 22,99% really feel good ..LOL

[BootStraps]

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@Pupeitmeister wrote:

So I got this in my email today... issue is, I live in the states.. It is a pretty card though:

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