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Established Contributor
emptypockets
Posts: 973
Registered: ‎02-03-2009
0

Re: Credit card wish list (phase 2)

[ Edited ]

MoneyPurchaseOptions wrote:

My wish list is for an apr below 7% without rewards and no annual fee. Help anyone.


Www.iberiabank.com

 

https://www.simmonsfirst.com/creditcards/apply/default.aspx

 


CC's: AMEX (4), Alliant Visa, PenFed AMEX, Nordstrom Visa,US Bank Cash+, Chase (5), Huntington Voice, UMB Visa, Dillard's AMEX, Barclay's Visa, Citi (4), Discover IT, Walmart Discover, Sam's MC, Cabela's Visa, Cap One QS, BOA (2), BMW Visa, Comenity Visa/MC (3), Ebates Visa Siggy, 5/3 RLR MC, Macy's AMEX; Several store cards.

Current Scores: EQ (6/14): 800; TU MyFico (6/14): 814; Walmart TU Fico 08 (8/7/2014): 816; EX (6/14): 775
Valued Contributor
CreditScholar
Posts: 2,300
Registered: ‎01-22-2012
0

Re: Credit card wish list (phase 2)


emptypockets wrote:

MoneyPurchaseOptions wrote:

My wish list is for an apr below 7% without rewards and no annual fee. Help anyone.


Www.iberiabank.com

 

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.

 

FICOs: EX: 826, EQ: 817, TU: 810
Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL
Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank American Airlines Executive World Elite MasterCard - $22,500 CL
J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL
Valued Member
MoneyPurchaseOptions
Posts: 30
Registered: ‎03-04-2012
0

Re: Credit card wish list (phase 2)

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.

No interest in low interest rate credit cards?
Valued Contributor
maiden_girl
Posts: 2,095
Registered: ‎12-29-2011
0

Re: Credit card wish list (phase 2)

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.

The truth is out there...
FICO scores: 758 (EQ) 741 (EX) 768 (TU) 8/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Discover (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






New Contributor
LilNYC
Posts: 184
Registered: ‎07-08-2012
0

Re: Credit card wish list (phase 2)


MoneyPurchaseOptions 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)

Citi Thank You $13,200 - Chase Freedom $3,100 - AMEX Zync NPSL (init. ability $17.5K) - Citi Forward $7,000 - AMEX BCP $6,000 - USAA Rate Adv $15,000 - USAA World MC $12,000 - Discover More $4,000 - Amex Hilton Honors $4,500 - Amex SPG $2,000 - Barclay's Priceline Rewards $6,400 - Chase Sapphire Pref. $7,500

EQ: 794. TU: 704. EX: 755
Valued Member
MoneyPurchaseOptions
Posts: 30
Registered: ‎03-04-2012
0

Re: Credit card wish list (phase 2)

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.

No interest in low interest rate credit cards?

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