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Established Member
cardcrazyboi
Posts: 112
Registered: ‎03-18-2012

Barclay Apple Visa

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‎04-01-2012 03:45 AM

I wonder does any one have better interest rate than me. . As in higher or lower interest on apple.. On mine i got approve for 22% ..good CL but high interest rate..just keeping it incase i want to buy apple product with no interest.
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Mega Contributor
LS2982
Posts: 14,450
Registered: ‎04-09-2011

Re: Barclay Apple Visa

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‎04-01-2012 05:44 AM

cardcrazyboi wrote:
I wonder does any one have better interest rate than me. . As in higher or lower interest on apple.. On mine i got approve for 22% ..good CL but high interest rate..just keeping it incase i want to buy apple product with no interest.

I have the same, APR doesn't apply to me tho, i PIF.



Silver Spade Garden Club Member - Last App 1/6/13 - No Apps until 1/7/2015 / Diamond Inspired!
Starting Score: EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 689 / EQ FICO 659 / TU08 FICO 702 / TU98 FICO 672 / TU VS 711 5/19/2013
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Frequent Contributor
GST2008
Posts: 439
Registered: ‎03-22-2008

Re: Barclay Apple Visa

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‎04-01-2012 05:46 AM

I also have the same APR and have had the card for close to 4 years now.  It has always been the 22%.


Current:
TU 04(4/24/13): 766 (No Inquiries)
EQ (4/15/13): 780 (No Inquiries);
EX (4/16/13): 770 (Inquiries: 9/9/11; 7/2/12; 11/20/12) - freecreditreport.com

Goal: No inquiries for 2013, 750 for all CRs by 12/31/13
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Contributor
AllPro
Posts: 91
Registered: ‎11-27-2011

Re: Barclay Apple Visa

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‎04-01-2012 06:15 AM

cardcrazyboi wrote:
I wonder does any one have better interest rate than me. . As in higher or lower interest on apple.. On mine i got approve for 22% ..good CL but high interest rate..just keeping it incase i want to buy apple product with no interest.

I think the no interest is only on your first purchase not ongoing .

Starting Score: EQ 729 TU 727
Current Score: Ex (AMEX) 765 EQ 734 TU 736
Goal Score: 780+

Take the FICO Fitness Challenge

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Mega Contributor
LS2982
Posts: 14,450
Registered: ‎04-09-2011

Re: Barclay Apple Visa

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‎04-01-2012 06:16 AM

AllPro wrote:
cardcrazyboi wrote:
I wonder does any one have better interest rate than me. . As in higher or lower interest on apple.. On mine i got approve for 22% ..good CL but high interest rate..just keeping it incase i want to buy apple product with no interest.

I think the no interest is only on your first purchase not ongoing .

It is ongoing when they announce the offer, they do this periodically.



Silver Spade Garden Club Member - Last App 1/6/13 - No Apps until 1/7/2015 / Diamond Inspired!
Starting Score: EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 689 / EQ FICO 659 / TU08 FICO 702 / TU98 FICO 672 / TU VS 711 5/19/2013
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Contributor
AllPro
Posts: 91
Registered: ‎11-27-2011

Re: Barclay Apple Visa

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‎04-01-2012 06:20 AM

Oh that would be nice. I haven't seen this yet. I could use a new mac ! Thanks for the heads up !

Starting Score: EQ 729 TU 727
Current Score: Ex (AMEX) 765 EQ 734 TU 736
Goal Score: 780+

Take the FICO Fitness Challenge

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Mega Contributor
LS2982
Posts: 14,450
Registered: ‎04-09-2011

Re: Barclay Apple Visa

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‎04-01-2012 06:21 AM

AllPro wrote:

Oh that would be nice. I haven't seen this yet. I could use a new mac ! Thanks for the heads up !

From what i've heard from their CSR's its usually 2-3 times a year they offer it.



Silver Spade Garden Club Member - Last App 1/6/13 - No Apps until 1/7/2015 / Diamond Inspired!
Starting Score: EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 689 / EQ FICO 659 / TU08 FICO 702 / TU98 FICO 672 / TU VS 711 5/19/2013
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Established Member
cardcrazyboi
Posts: 112
Registered: ‎03-18-2012

Re: Barclay Apple Visa

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‎04-01-2012 06:41 AM

I did a research some people they get lower to at least 17%
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Mega Contributor
LS2982
Posts: 14,450
Registered: ‎04-09-2011

Re: Barclay Apple Visa

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‎04-01-2012 06:49 AM

cardcrazyboi wrote:
I did a research some people they get lower to at least 17%

17% is still pretty bad..............:smileysad:



Silver Spade Garden Club Member - Last App 1/6/13 - No Apps until 1/7/2015 / Diamond Inspired!
Starting Score: EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 689 / EQ FICO 659 / TU08 FICO 702 / TU98 FICO 672 / TU VS 711 5/19/2013
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Valued Contributor
Open123
Posts: 2,366
Registered: ‎02-23-2011

Re: Barclay Apple Visa

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‎04-01-2012 06:51 AM

LS2982 wrote:
cardcrazyboi wrote:
I did a research some people they get lower to at least 17%

17% is still pretty bad..............:smileysad:

This was years ago, but I think my first credit card when rebuilding was an apr of 28.99%.

 

So, 17% isn't that bad.

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