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Contributor
JWest
Posts: 120
Registered: ‎03-30-2012

Credit Card APR

Is there a way to find out your current APR on a credit card account?
Established Member
ALLevesque
Posts: 35
Registered: ‎12-30-2012

Re: Credit Card APR

it usually shows on your statement.

AMEX BCE: $15K, Chase Sapphire: $5k, Discover More: $3250, Kay Jewelers: $7200, Lowes: $3000, TD Easy Rewards: $1000, CapOne:$750, CapOne:$750, CareCredit: $3500, Lenscrafters $500, Victoria Secret: $920, Wells Fargo (Furniture card) $2800, Best Buy:$900, American Eagle: $600

2013 Goal: Garden and 740+ scores across the board.
Contributor
JWest
Posts: 120
Registered: ‎03-30-2012

Re: Credit Card APR

Ok thanks a lot
Contributor
JWest
Posts: 120
Registered: ‎03-30-2012

Re: Credit Card APR

I have a second question does Apr usually drop over time or stay the same the entire time?
Established Member
LostTime
Posts: 46
Registered: ‎01-08-2013

Re: Credit Card APR


JWest wrote:
I have a second question does Apr usually drop over time or stay the same the entire time?

Depends on you card, I have a citi Forward that drops .25 every 3 months for on time payments

Amex Delta Gold $8,000 - Discover IT $1,250 - Citi Foward $2,000 - Capital One $300 - Banana Republic $300 - Walmart $300
Established Member
ALLevesque
Posts: 35
Registered: ‎12-30-2012

Re: Credit Card APR

none of my APRs have ever dropped.  I had one go up once a few years back when my util was high.

 

You can sometimes call to request a lower APR, but I never have just because I've gotten in the habit of PIF every month, so apr doesn't really matter much to me.

AMEX BCE: $15K, Chase Sapphire: $5k, Discover More: $3250, Kay Jewelers: $7200, Lowes: $3000, TD Easy Rewards: $1000, CapOne:$750, CapOne:$750, CareCredit: $3500, Lenscrafters $500, Victoria Secret: $920, Wells Fargo (Furniture card) $2800, Best Buy:$900, American Eagle: $600

2013 Goal: Garden and 740+ scores across the board.
Valued Contributor
injustifiiable
Posts: 1,846
Registered: ‎03-30-2012

Re: Credit Card APR


JWest wrote:
I have a second question does Apr usually drop over time or stay the same the entire time?

Same area of the statement should say whether it's variable or fixed. Variable rates go up and down with the prime rate...fixed is obviously fixed. If you have online access, you can also find out the info when you log in to the system.

Scores 6/17/2014: TU FICO: 643 | EQ FICO: 675 | EX AMEX FICO: 666

In my new wallet: American Express Premier Rewards Gold EMV: NPSL | BankAmericard Cash Rewards Visa EMV: $2500 | BarclayCard Rewards Average: $2000 | Travelocity Rewards AMEX: $1050 | Discover IT: $1500 | Amazon Rewards Visa: $1500 | Sportsman's Guide Visa: $3000 | Capital One QuicksilverOne MasterCard: $1250 | Target: $400 | J.Crew $5950
Contributor
JWest
Posts: 120
Registered: ‎03-30-2012

Re: Credit Card APR

Ok thanks guys for the info
Valued Contributor
chnceit
Posts: 1,524
Registered: ‎08-17-2008

Re: Credit Card APR


JWest wrote:
I have a second question does Apr usually drop over time or stay the same the entire time?

It takes a simple call to sk if there is an APR reduction available for your account. I got my AMEX reduced by 2%


$100K in Credit
Last Credit Card App: 11/16/13

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