Credit Card Center Advertiser Disclosure†
10-13-2013 07:15 AM
After being approved for the Sallie Mae card, I called to inquire about the high APR and they said to call back in 6 months for an APR reduction. I logged into my account this morning and noticed the purchase APR now says 0%. I don't think there is a promotional period for this card so what does this mean?
10-13-2013 08:07 AM
10-13-2013 08:08 AM
10-13-2013 09:35 AM
10-13-2013 07:03 PM
I dont see where it says the current APR when logged in to the Sallie mae card. There is a section on Balance Transfers, that mentions a 0% intro APR until 12/15/2014 and a 3% balance transfer fee, with a link to 'select this offer'. But thats all in the Balance Transfer section, so it must just be for BT, right?
My Priceline.com card has a similar offer. Should I be selecting these offers...
10-13-2013 07:14 PM
10-13-2013 07:38 PM
Check the statement.
The statement that came with the card says my Sallie Mae has a 20.99% APR for purchases, there is no 0% promotion for that.
My balance transfer does have a 0% APR for 15 billing cycles. 20.99% after that.
I did look at the Terms & Conditions link from the signup page, and those terms are different than what I received.
10-13-2013 07:42 PM - edited 10-13-2013 07:42 PM
Whups, they have TWO versions of the Terms and Conditions link on the signup page!
The one near the top of the page has my correct terms. the ones in the sections near the bottom of the page (the sections numbered 1, 2, etc) have the 12 month intro APR and 12 month Balance Transfer intro APR offer...
10-13-2013 07:50 PM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.