Got my notice today for the store card. New rate will be prime + 20.99%, which currently means 24.24%.
If I ever had been tempted to carry a balance, this would have killed the temptation!
Shoot, I can't even bring myself to do the 0% thing.
If I ever had been tempted to carry a balance, this would have killed the temptation!
Shoot, I can't even bring myself to do the 0% thing.
Got my notice today for the store card. New rate will be prime + 20.99%, which currently means 24.24%.
Just remember that PIF = no concern for APR's.
But you knew that. 
marinevietvet wrote:
Got my notice today for the store card. New rate will be prime + 20.99%, which currently means 24.24%.
Just remember that PIF = no concern for APR's.
But you knew that.
@lsutigers03 wrote:
@MarineVietVet wrote:Ok I called and canceled it. Geez they really really try to make you keep it. I really hated Best Buy for this charge but its HSBC that is charging it not Best Buy. Now my 0% purchases can truly be 0%. I wonder how much they are making off of people with this stupid charge?
Good for you!!! What exactly was this "debt cancellation" charge meant to do?
Basically it's credit insurance so if you die or become disabled and can't pay off the balance then its forgiven.
So that's what they're calling it? Another reason to try and always PIF.
May I ask how much this "insurance" was costing you a month?