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Today a woman told me that her 7.75% interest rate was "uncompetitive" and "unsophisicated" for her "beyond excellent" credit (her words)... and yes, she talked exactly like Mrs. Thurston Howell III. No joke, she really sounded like Mrs Howell... but she got me thinking... for today's market what is considered a decent interest rate? The average interest rate for today is suppose to be 15%. With the economy going to hell in a handbasket they say prime is going to increase before the year is out which will drive interest up even more. So what is considered a good interest rate for today?
Personally I think 7.75 is pretty sweet, but that's just me.
she's probably the same kind of person who thinks that any credit limit below $XXX is totally beneath her status
i think that's a really good rate. our lowest rate is 7.9%, followed by 12.65% and 15.9%. we have a couple others whose rates resemble store card APRs
I have the 7.75% on my USAA Master Card / Visa.
It is by far the best rate that we have!
Ray
My interest rates are all over the place: 4.69, 6.99, 7.24, 7.99, 8.24, 8.49, 9.49, 9.99, 10.24, 10.99, 14.24, 15.24, 18.24, 21.90, 24.24, 25.24, 25.99.
You just have to assume that the higher ones are from companies that don't want you to ever carry a balance.