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@Anonymous wrote:My wish list is for an apr below 7% without rewards and no annual fee. Help anyone.
https://www.simmonsfirst.com/creditcards/apply/default.aspx
@emptypockets wrote:
@Anonymous wrote:My wish list is for an apr below 7% without rewards and no annual fee. Help anyone.
https://www.simmonsfirst.com/creditcards/apply/default.aspx
Those are about the only options, but they demand exceptionally high credit standards. Your FICOs should be at 800 or above (so basically flawless), and they will verify employment.
CreditScholar,
Thank you for your reply and links to Iberia and Simmons banks. I have both of those with their lowest rates and now need to work on CLI. I also have a 6.99% APR card with USAA.
I'm still watching for lower rates,if possible. Last year a forum member wrote about his CU offering 6.5%. I PM'd him for the name. I'll share it if he replies.
While low APR is great...People really prefer reward cards. I hate interest and I try to avoid paying it at all costs! LOL. SO far...it has paid off.
@Anonymous wrote:CreditScholar,
Thank you for your reply and links to Iberia and Simmons banks. I have both of those with their lowest rates and now need to work on CLI. I also have a 6.99% APR card with USAA.
I'm still watching for lower rates,if possible. Last year a forum member wrote about his CU offering 6.5%. I PM'd him for the name. I'll share it if he replies.
First Command- 6.25% (you have to be a client first, so visit a branch & open a no fee cheking acct)
Amerprise world mc elie- 6.24% (must be a client, $150 AF unless you're a achiever circle elite client)
LilNYC,
Thanks for the leads to First Command and Ameriprise and their respective 6.25% - 6.24% APR cards.
TOS for Ameriprise does not detail how to avoid the AF. Both have representatives in my area.
They both look like broker/dealers - hope they don't try a hard upsale.