Credit Card Center Advertiser Disclosure†
03-29-2013 10:21 AM
Hi i would like to get some feedback. I have a credit card i need to pay off but my interest is 24.99%. i cannot kjeep paying it at this rate, every time i make apayment it goes up or only makes like a $50 difference.
My score is 687. can anyone tell me what APR i should be recieving at this rate?
03-29-2013 10:28 AM
03-29-2013 10:44 AM
03-29-2013 12:37 PM
03-29-2013 02:30 PM
03-29-2013 02:40 PM
not enough info to help, we need to know what the credit history / score was at the time of approval, credit limits, your credit history, and many other variables. But I would think you should be within 22-25% area imo. if your scores were consistant with the time of approval. Regardless you should pay things down asap.
03-29-2013 05:35 PM
There is an 18month 0% offer on the Discover IT right now. Baring recent BK, lates, or other recent derogs it is certainly within your grasp at that score. Chase Slate would also be attainable. I'd do DIscover first and if the CL isn't enough to cover the balance you have on the other card do the Slate and transfer the rest. Discover should be instant depending on overall profile. Chase may be an initial decline but your chances of approval on recon are very good.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.