I was paying off some balances on my card's today and just for kicks I looked at the term's on a few of my credit cards. It seems that although I have some good credit limit's on my card's and have had good lucky with nice SL's recently, most of my card's have less than desireable interest rates or balance transfer offer's.
I never carry a balance and don't plan on it so the interest rates are irrelevent but for my sake I am curious as to why I am not getting "good" interest rates.
Region's Platinum CC 12k limit
Citi AAdvantage 15.5k limit
AMEX BCE 11.5k limit
Discover IT 9700
Macy's 8400
My credit profile consists of the above credit cards, a newly opened mortgage (march 2017) an auto loan opened in 2015 which is 5000/11100 balance, a paid off region's personal loan from 2012 and student loans.. according to discover my TU is 768, score on AMEX is 748 ( I cant remember if thats EX/EQ without logging back in).
AAOA is around 3.5 years, oldest account being 5.5 years.
At what point will I start seeing lower APR offer's or good BT offer's? obviously as I have stated above I don't carry a balance so it is irrelevent but I feel that my credit profile deserves better APR's in the event that I did carry a balance.
