OnPoint CU Visa Variable APR

[cottoncrown]

I want to get a CC with my credit union, OnPoint. The variable is 5.99 to maybe 15.99. Is there anyway to know if i will get the lowest rate as I don't really want the card with a higher APR than 5.99. I want it as my emergency card in case of a large expense. Thanks my FICO is around 740-760 on any given month.

[Anonymous]

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@cottoncrown wrote:
I want to get a CC with my credit union, OnPoint. The variable is 5.99 to maybe 15.99. Is there anyway to know if i will get the lowest rate as I don't really want the card with a higher APR than 5.99. I want it as my emergency card in case of a large expense. Thanks my FICO is around 740-760 on any given month.

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You won't know until you apply.  No one can tell you beforehand.

[Anonymous]

It'd be so nice to have a permanent or at least tied to prime LOW rate card such as this for the occasional "Can't PIF right now", so I don't have to app anything or use a BT.

[cottoncrown]

Yes it would nice! I Also bank with them so I will probably be apping for a mortgage at some point and might be nice to have loan history with them

[kevinjjc]

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@Anonymous wrote:

It'd be so nice to have a permanent or at least tied to prime LOW rate card such as this for the occasional "Can't PIF right now", so I don't have to app anything or use a BT.

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You might be interested in the Coastal FCU Big Ticket Card. (0% APR for 6 months for purchases and BT over $600; no BT fee; not an intro offer)

Check out the below thread:

http://ficoforums.myfico.com/t5/Credit-Cards/Coastal-Federal-Credit-Union/m-p/3683934/

[Anonymous]

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@kevinjjc wrote:

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@Anonymous wrote:

It'd be so nice to have a permanent or at least tied to prime LOW rate card such as this for the occasional "Can't PIF right now", so I don't have to app anything or use a BT.

---

You might be interested in the Coastal FCU Big Ticket Card. (0% APR for 6 months for purchases and BT over $600; no BT fee; not an intro offer)

Check out the below thread:

http://ficoforums.myfico.com/t5/Credit-Cards/Coastal-Federal-Credit-Union/m-p/3683934/

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Actually, This indeed IS interesting.

That standard APR though is a little scary. Hopefully the Interest isn't retroactive if you don't pay it off in 6mos.

[kevinjjc]

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@Anonymous wrote:

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@kevinjjc wrote:

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@Anonymous wrote:

It'd be so nice to have a permanent or at least tied to prime LOW rate card such as this for the occasional "Can't PIF right now", so I don't have to app anything or use a BT.

---

You might be interested in the Coastal FCU Big Ticket Card. (0% APR for 6 months for purchases and BT over $600; no BT fee; not an intro offer)

Check out the below thread:

http://ficoforums.myfico.com/t5/Credit-Cards/Coastal-Federal-Credit-Union/m-p/3683934/

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Actually, This indeed IS interesting.

That standard APR though is a little scary. Hopefully the Interest isn't retroactive if you don't pay it off in 6mos.

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The interest is not retroactive.

• Unlike store cards, no interest accumulates during the interest-free period. After 6 months, interest charges are assessed on the remaining unpaid balance only

[Anonymous]

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@kevinjjc wrote:

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@Anonymous wrote:

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@kevinjjc wrote:

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@Anonymous wrote:

It'd be so nice to have a permanent or at least tied to prime LOW rate card such as this for the occasional "Can't PIF right now", so I don't have to app anything or use a BT.

---

You might be interested in the Coastal FCU Big Ticket Card. (0% APR for 6 months for purchases and BT over $600; no BT fee; not an intro offer)

Check out the below thread:

http://ficoforums.myfico.com/t5/Credit-Cards/Coastal-Federal-Credit-Union/m-p/3683934/

---

Actually, This indeed IS interesting.

That standard APR though is a little scary. Hopefully the Interest isn't retroactive if you don't pay it off in 6mos.

---

The interest is not retroactive.

• Unlike store cards, no interest accumulates during the interest-free period. After 6 months, interest charges are assessed on the remaining unpaid balance only

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I wonder how usable the SL might be and what kind of credit requirements they have... Hmm.