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If u have a Cap1 CC, what is your APR?

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L-TWT
Established Contributor
‎10-13-2013 06:36 AM
‎10-13-2013 06:36 AM

Re: If u have a Cap1 CC, what is your APR?

@Duc848 wrote:

8.9% for me. Why? Have no idea. I dont have excellent credit and never requested an apr reduction.

NICE!

you must be doing something right......


Message 21 of 29
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youngandcreditwrthy
Senior Contributor
‎10-13-2013 08:19 AM
‎10-13-2013 08:19 AM

Re: If u have a Cap1 CC, what is your APR?

Mine used to be like 9% but then 2008 happened, and they upped it to 17.9%
They are usually willing to reduce it every 6 months.
I've gotten it down to 5.9%, 9.9%, 11.9%, and 13.9%.
I contacted the EO for a permanent reduction; they were quite smug and declined me heh.
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 22 of 29
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maiden_girl
Valued Contributor
‎10-13-2013 08:21 AM
‎10-13-2013 08:21 AM

Re: If u have a Cap1 CC, what is your APR?

I have the MTV Visa card. My APR is 22.9% right now but they gave me a "promo" APR of 20.9 until January...some promotion. Lol.

As of 2017, rebuilding...
Message 23 of 29
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vagrants
Regular Contributor
‎10-13-2013 08:24 AM
‎10-13-2013 08:24 AM

Re: If u have a Cap1 CC, what is your APR?

No Hassle VISA: 17.9%

No Hassle MC (no AF): 16.9%

AMEX Cash Rebate (this isn't Costco, older version of Blue Cash), AMEX Blue Cash, AMEX BCP, AMEX SPG (personal), Barclay Sallie Mae Plat MC, BBVA Compass NBA AMEX (No AF), Capital One QuickSilver VISA Sig, Capital One QuickSilver World MC, 2x Chase Freedom VISA Sig, Chase Ink Bold World Elite MC, Citi Dividend AMEX/World MC, Citi Double Cash, Citi Hilton VISA Sig, Discover More, Discover It, Fidelity AMEX, Huntington Voice World MC, MyPoints Rewards VISA, 2x US Bank Cash+ VISA Sig
Message 24 of 29
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UFGuy2006
Established Contributor
‎10-13-2013 09:05 AM
‎10-13-2013 09:05 AM

Re: If u have a Cap1 CC, what is your APR?

It was 12.90 until I recently closed it.

Message 25 of 29
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Mrm-na
New Contributor
‎10-14-2013 07:49 AM
‎10-14-2013 07:49 AM

Re: If u have a Cap1 CC, what is your APR?

My CapOne Platinum is 17.90%, has been for a long time, probably since 2009 I would guess.

It was my first credit card which I got around early 2008, maybe late 2007.  I think the APR was actually lower back then, even though I was new to credit then.

I've ignored this card, it's still on a $500 limit with 17.9 APR and I don't really care.  Eventually I might try to get it changed to a Quicksilver, at which point maybe they'll re-evaluate the terms.

Message 26 of 29
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injustifiiable
Valued Contributor
‎10-14-2013 08:21 AM
‎10-14-2013 08:21 AM

Re: If u have a Cap1 CC, what is your APR?

Mine are 19.99% (former Household card) and 22.90% (secured card).

 

Definitely pay in full...plus my CL's aren't large enough to even carry a decent balance. lol.

Scores 5/15/2016 (clean reports!): TU Walmart FICO: 696 | EQ FICO: 679 | EX AMEX FICO: 680

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | Citi AAdvantage Platinum Select World MasterCard: $6400 | Barclaycard Arrival World MasterCard: $1000 | Discover IT: $2500 | Amazon Rewards Visa Signature: $1500 | Chase Freedom: $1500 | Capital One QuicksilverOne MasterCard: $2100 | Target: $2800 | J.Crew $21,550 | Marvel (Captain America) MasterCard: $6000
Message 27 of 29
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chewchowlady
Valued Member
‎10-14-2013 08:25 AM
‎10-14-2013 08:25 AM

Re: If u have a Cap1 CC, what is your APR?

My cap 1s are the highest "in my wallet cards" - other than my walmart discover

 

14.9 , 22.9 & 24.9 (Playstation Card) 

Seedling:

Discover It 5.5K / OCCU Duck 5K / Sportman's Guide Visa 5K / Walmart Discover 4.2K / Citi AA Amex 3.5K / Chase Freedom 2K / Cap1 Quick Silver 2K / BOA Cash 2K / Amex BCE 1K - Too many store cards to list!

Garden since 11/14/2013 - No need to apply for any new credit until closing on my home! (Summer 2015)
Message 28 of 29
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Roarmeister
Frequent Contributor
‎10-15-2013 05:06 PM
‎10-15-2013 05:06 PM

Re: If u have a Cap1 CC, what is your APR?

@L-TWT wrote:

NICE!!

But do u reside in Canada?

Reside here and native to my home of hearts...  The low APR is the reason I BT my other accounts to this one - at least until I pay it off completely.  I have another card that I am paying 3x min. monthly amount on right now.  It had an introductory 0% rate for $2500.  I BT'd to that card up to that amount.  These are the only 2 cards I have a balance on at the moment and I expect to pay them both off before Christmas.

 

Starting Score: EQ 732 October 2007; Current Score: EQ 839; TU 865, July 2022;
Oldest Reporting EQ Account: 20.4 years; EQ AAoA: 9.9 years;
ACTUAL Oldest account 40.1 years; ACTUAL AAoA 19.3 years.





Message 29 of 29
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