Does APR influence FICO score? (Subprime/Prime question perhaps)

[Anonymous]

Hi, I read in the FICO score forum that a subprime credit card impacts a FICO score differently than a prime credit card. Since one of the big differences between these two types of credit cards is the APR I'm wondering if the APR on a credit card impacts one's FICO score. Does anyone know if it does? (If it did it would seem to create an unfair tautology.) My practical concern is that I just noticed that my APR is around 18% for a credit card that I use daily. Since I pay in full before the end of the grace period, I really have no practical concern about the APR unless it impacts my FICO score. Thanks! -L.

[Anonymous]

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Louis wrote:
Hi, I read in the FICO score forum that a subprime credit card impacts a FICO score differently than a prime credit card. Since one of the big differences between these two types of credit cards is the APR I'm wondering if the APR on a credit card impacts one's FICO score. Does anyone know if it does? (If it did it would seem to create an unfair tautology.) My practical concern is that I just noticed that my APR is around 18% for a credit card that I use daily. Since I pay in full before the end of the grace period, I really have no practical concern about the APR unless it impacts my FICO score. Thanks! -L.

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APR is not mentioned on CRs...

Rob

[Anonymous]

No, but your Score could afftect your APR

[Anonymous]

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rbbyrbsn wrote:

No, but your Score could afftect your APR

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Great point.

Rob

[Anonymous]

That's a good point that the APR is not mentioned in the CR. Silly me. Thanks!