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I have re-established credit and have very low balances on my cards but the rates aren't all that desireable. Now that I have good ficos I want to get a card with a decent fixed rate, and maybe a really good balance transfer rate in case I would want to consider clearing the little balances from the two cards I have small balances on. Any sugeestions on good card companies to apply for right now?
Thanks in advance for you assitance and expertise!
Fixed rate cards are pretty much a gone, There are a couple still being offered but you'll need very good credit to get one, Right now you'd be hard pressed to get an interest rate under 10% from a bank, US Bank is offering about the best terms for a new card currently, If you qualify,,,
A few credit unions offer variable APR cards under 10%, but as you can tell, the race is on by the credit card issuers to rate jack as much as they can prior to the credit card reform being forced on them so there is no guarantee they wont change their terms prior to February,,
Thanks for the feedback. I don't have alot of little balances though. All my cards are at 0 balances except 2. One has a balance of $699 and the other $850. I always make more than the minimum payments, so that's not a problem. I just thought If I could get one card with a decent rate and a say 1 year 0% balance transfer I could combine my payments and pay the two off even faster. I don't really have a desire to use credit cards, and as you stated, I really want to wait until Febreuary to see what is going to happen to credit cards as we know. My concern was becasue both of my credit cards sent notices out stating there were jacking rates up in early 2010 and I wanted to avoid that. As it stands, I only pay $15 in finace charges bewteen both cards a month so that's outstanding I think. I'll continue to make to $50 payments a month I make on each and maybe by tax season I'll ppay them off and maybe credit cards will be giving out better offers again!
Thanks again.
@Anonymous wrote:Thanks for the feedback. I don't have alot of little balances though. All my cards are at 0 balances except 2. One has a balance of $699 and the other $850. I always make more than the minimum payments, so that's not a problem. I just thought If I could get one card with a decent rate and a say 1 year 0% balance transfer I could combine my payments and pay the two off even faster. I don't really have a desire to use credit cards, and as you stated, I really want to wait until Febreuary to see what is going to happen to credit cards as we know. My concern was becasue both of my credit cards sent notices out stating there were jacking rates up in early 2010 and I wanted to avoid that. As it stands, I only pay $15 in finace charges bewteen both cards a month so that's outstanding I think. I'll continue to make to $50 payments a month I make on each and maybe by tax season I'll ppay them off and maybe credit cards will be giving out better offers again!
Thanks again.
Very few banks are giving one year intro promo's any more. You might get nine months. Don't know your credit details so I can't advise further.
lyrical123 wrote:
Wow, I've heard this a couple of times now, that I should look at a credit union card. Do they typically require you to open accounts with them as well?