(Updated) What do you think of this card's terms? Also j/c, does anyone here have one?

[galahad15]

What do you think of this card's terms (as low as 8.99% F APR)?  Also j/c, does anyone here have one?  From what I understand, there are also no geographical limitations placed, on joining this CU?

https://www.western.org/fixed-rate-visa-credit-card

[Anonymous]

In my limited experience, it looks pretty good to me. My friend works for this credit union. They are actually pretty great overall.

[longtimelurker]

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@galahad15 wrote:

What do you think of this card's terms (as low as 8.99% F APR)?  Also j/c, does anyone here have one?  From what I understand, there are also no geographical limitations placed, on joining this CU?

https://www.western.org/fixed-rate-visa-credit-card

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It really depends on what rate you actually get (as compared to "as low as")   And the 4% lower intro period for 6 months isn't great compared to 0% periods for longer on other cards.   But if you get a fixed 8.99 and want a reliable rate for emergencies, yes, not bad....

[Anonymous]

This is one of my local CUs and I have been eyeing this card.

[petejk]

Doesn't seem bad for a fixed APR card

[Anonymous]

I have a similar card through my CU, 7.9% fixed. I actually opened it when I moved my loans and checking there as an overdraft for my checking. They have a regular overdraft LOC but the APR is much higher. It works well if I time payments wrong and over draft my checking for a day or so, and if I did not have 0% offers it would be a decent rate to carry balances for a short while in an emergency. But with no rewards it doesn't ever come out of the SD.

[galahad15]

Updated info:  since my credit scores have recently improved just this month to the 720s and 730s for 2 of the CRAs, which is the highest they have been in quite a while, I thought it might be a very opportune time to temporarily venture out of the garden, to apply for the specific card referenced in this thread.  Although I didn't receive the lowest-available 8.99% F APR, I am happy to report being approved at 12.5% F, with a SL of $2k    It is admittedly rather nice to finally have another fixed-rate card!  

[Anonymous]

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@galahad15 wrote:

Updated info:  since my credit scores have recently improved just this month to the 720s and 730s for 2 of the CRAs, which is the highest they have been in quite a while, I thought it might be a very opportune time to temporarily venture out of the garden, to apply for the specific card referenced in this thread.  Although I didn't receive the lowest-available 8.99% F APR, I am happy to report being approved at 12.5% F, with a SL of $2k    It is admittedly rather nice to finally have another fixed-rate card!  

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What about the Ring? I think that's at 8.24%, although you might not get as nice a SL.

[OmarGB9]

Grats on the approval.

[CreditCuriosity]

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@Anonymous wrote:

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@galahad15 wrote:

Updated info:  since my credit scores have recently improved just this month to the 720s and 730s for 2 of the CRAs, which is the highest they have been in quite a while, I thought it might be a very opportune time to temporarily venture out of the garden, to apply for the specific card referenced in this thread.  Although I didn't receive the lowest-available 8.99% F APR, I am happy to report being approved at 12.5% F, with a SL of $2k    It is admittedly rather nice to finally have another fixed-rate card!  

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What about the Ring? I think that's at 8.24%, although you might not get as nice a SL.

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Ring isn't fixed.  Although the CU can change the terms of that card in the future as well