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Contributor
jht2
Posts: 75
Registered: ‎03-12-2013
0

Oh boy!

Walked into my credit uunion today to deposit money and recognized they've rolled out a set of brand new credit cards. Get this it had a fixed APR of 8.9% for all three cards it offered. Waiting in line was horrendous since I promised myself that the NFL visa would be my last credit card for 2013. Since I will apply for an auto loan come fall through my CU maybe theyll offer me the CC on the initial HP. Woosah Woosah I must be patient...good things shall come to those who wait! Have you folks ever heard of a fixed rate CC at 8.9

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Senior Contributor
myjourney
Posts: 25,569
Registered: ‎02-07-2013
0

Re: Oh boy!


jht2 wrote:

Walked into my credit uunion today to deposit money and recognized they've rolled out a set of brand new credit cards. Get this it had a fixed APR of 8.9% for all three cards it offered. Waiting in line was horrendous since I promised myself that the NFL visa would be my last credit card for 2013. Since I will apply for an auto loan come fall through my CU maybe theyll offer me the CC on the initial HP. Woosah Woosah I must be patient...good things shall come to those who wait! Have you folks ever heard of a fixed rate CC at 8.9


Pretty sure barclay has one even less APR

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Contributor
jht2
Posts: 75
Registered: ‎03-12-2013
0

Re: Oh boy!

Its rare to see a fixed APR

Mega Contributor
Creditaddict
Posts: 19,573
Registered: ‎10-23-2007
0

Re: Oh boy!

Navy has 8. something.... We have 9.65% on our Cash Sigi.

But yes, My optima through my father use to have 6.4% FIXED! (might have actually been under 6%) wish still had that!

 

So why are you not applying for it? will help towards auto approval later!

Fico Scores: EQ 657 Cabelas, TU 662 Walmart, EX 699 Wells (07-27-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Express $300
Over 40 Cards in between :smileytongue:
Contributor
jht2
Posts: 75
Registered: ‎03-12-2013
0

Re: Oh boy!

I didnt know my CU had that (out of the loop). And I just applied for the nfl visa and was wary of barclays dislike of inquiries so I'm going to wait till Oct/Nov.

Mega Contributor
Creditaddict
Posts: 19,573
Registered: ‎10-23-2007
0

Re: Oh boy!


jht2 wrote:

I didnt know my CU had that (out of the loop). And I just applied for the nfl visa and was wary of barclays dislike of inquiries so I'm going to wait till Oct/Nov.


its over rated especially just 1 and with a relationship that matters WAY more with your CU

Fico Scores: EQ 657 Cabelas, TU 662 Walmart, EX 699 Wells (07-27-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Express $300
Over 40 Cards in between :smileytongue:
Contributor
jht2
Posts: 75
Registered: ‎03-12-2013
0

Re: Oh boy!

I know wish i wouldve known before applyinh. Ive had a loan with them before and my friend/banker said I should get approved but I need to let my current cards age. Anyhow if they do auto approve for it when I apply for the auto loan this fall I can use it for xmas gifts. Plus it offers rewards but we'll see.

Frequent Contributor
ShiningDown
Posts: 319
Registered: ‎08-12-2011
0

Re: Oh boy!

  Educators Visa® Platinum Benefits

  • Low fixed interest rate of 8.90% APR (Annual Percentage Rate, as of 4/12)
  • No annual fee
  • 25-day grace period (Pay your entire balance each month and your purchases are interest free.)
  • $2,500 minimum limit
  • No additional fees for cash advances (Cash advances are charged interest from the date of the advance, as required by law
  •  
Contributor
jht2
Posts: 75
Registered: ‎03-12-2013
0

Re: Oh boy!

I guess fixed rates are starting to make a comeback

Frequent Contributor
GMCSierraDenali
Posts: 252
Registered: ‎02-19-2013
0

Re: Oh boy!

One of my CC's from a local CU is fixed @ 6.75 for everything (cash advance, balance transfers, etc.). Does anyone have any or know of anything lower ?
      

      


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