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Nope, that's how they make thier money. Unlike visa etc. they don't get swipe fees.
Thats why as I payoff GECRB credit cards, I shread them. some of their cards are at 29.99% and the default interest rate is rhe same 29.99%!
Not sure what happened with this post
What I meant to say was I agree with you that you need to "give them a bone" every now and then but PIF. I have 35K in credit lines with them andim VERY grateful of that and run a good bit of money through their cards.
GECRB cards all have high APRs and they stay that way. I have the Walmart Discover and the interest rate is always 22.9%, no matter what.
@lithium78 wrote:GECRB cards all have high APRs and they stay that way. I have the Walmart Discover and the interest rate is always 22.9%, no matter what.
The Sam's Club Discover is actually tiered based on your creditworthiness. I think you could get it down to 15%.
Wouldn't that be the best of both worlds? Low aprs, generous CLI's and fairly easy to establish or reestablish credit!