Capital One APR

[sglov]

Hi Everyone,

I was hoping I could get some insight into what you have for APR's with Capital One, and if it's an introductory APR, limited time, or permament?

I ask because I did a live chat with a rep who said my APR was already "very low and very few customers get this low rate" - its 10.9%

He then informed me that a Supervisor will review my account and get back to me.

What have your experiences been?

Sarah

[B335is]

10.9% is low by bank standards, and a lot of CU standards.  The person you spoke with is correct, it's low.

I recently got their Venture (AF) card and was given the highest APR (20.9%), no introductory period.  My last approval in November 2013, Barclays Arrival (AF) with 0% for 12 months, then 14.99%

[Platinum]

It's low. They just approved me for Quicksilver two weeks ago for lowest limit ($3000) and highest APR (20.9%) with 795 FICO but I don't mind since I will never pay them 1 cent of interest. I will take my $100 bonus and run away. Check in the mail already.  

I was hoping to build relationship but they screwed right at start.

[gdale6]

Had one at 19.9, canceled it last yr, have another at 9.9

[CreditJim]

I have an old Capital One card that's now a Quicksilver that has a 5.9% APR. Not quite sure how that ever happened, it was from before I paid attention to credit.

[juggalo9er]

10.99 is extremely low espicially for capitol one! the true way to figure out apr however is to take the rate of inflation which i believe in average is 3.2% and subtract it from your apr.

[asteroidblues86]

On VentureOne I had 0% intro for 12 months and now it's 13.9%

[Scott90]

My quicksilver is 4%. (Military - service member civil relief act)

[titanofold]

My fiancée has the Cap1 Platinum MC with an 8.15% APR. She's never really paid attention to her credit. This card doesn't get any rewards, though. But that's okay, it's like having a revolving personal loan.

[Drew]

I've had the same APR since opening the card three years ago;  it is 18.9%.    Good job there, OP.