What is your lowest and highest CC APR?

Anonymous · ‎05-10-2015

Since this is strictly CC APR we're talking about:

I'm rebuilding, so lowest is 22.9% and highest is 24.9%. I PIF though, so I really don't care.

If we're talking all credit products, my LOC has an APR of 6.25%.

skorpyo3 · ‎05-10-2015

@Anonymous wrote:
Since this is strictly CC APR we're talking about:

I'm rebuilding, so lowest is 22.9% and highest is 24.9%. I PIF though, so I really don't care.

If we're talking all credit products, my LOC has an APR of 6.25%.

Thanks for sharing and good luck with rebuilding! That's a low APR for your LOC. You have the right mix going on, and should improve your profile in no time.

|EQ 698|TU 674|EX 665| BK discharged 11/2012

[Amex PRG No PSL] [Cap 1 QS Visa Sig $50,000] [Barclaycard CashForward WMC $25,000] [Patelco CU MC $20,000] [BofA Cash Rewards Visa Sig $15,000] [Amex BCE $13,000] [Discover It Cashback $13,500] [US Bank Cash + Visa Sig $10,000][US Bank Platinum Visa $8,400] [Penfed Power Cash Rewards Visa Sig $10,000] [USAA Cashback Rewards Plus Amex $15,000] [Citi AAdvantage WMC $5,000] [Macy's Amex $7,500] [JCP $6,500] [Amazon Prime $6,000] [Target $2,000]

Anonymous · ‎05-10-2015

Lowest: AlaskaUSA Visa Platinum 8.99% (Old card is here to stay)

Highest: CapitalOne QuickSilverOne 24.99%

skorpyo3 · ‎05-10-2015

@Anonymous wrote:
Lowest: AlaskaUSA Visa Platinum 8.99% (Old card is here to stay)
Highest: CapitalOne QuickSilverOne 24.99%

Awesome low APR. I'm assuming Cap1 QS1 is one of your first cards based on the APR and card type, compared to your others.

|EQ 698|TU 674|EX 665| BK discharged 11/2012

[Amex PRG No PSL] [Cap 1 QS Visa Sig $50,000] [Barclaycard CashForward WMC $25,000] [Patelco CU MC $20,000] [BofA Cash Rewards Visa Sig $15,000] [Amex BCE $13,000] [Discover It Cashback $13,500] [US Bank Cash + Visa Sig $10,000][US Bank Platinum Visa $8,400] [Penfed Power Cash Rewards Visa Sig $10,000] [USAA Cashback Rewards Plus Amex $15,000] [Citi AAdvantage WMC $5,000] [Macy's Amex $7,500] [JCP $6,500] [Amazon Prime $6,000] [Target $2,000]

leoment · ‎05-10-2015

Lowest: 6.25% from FNBO

Highest: 23.24% from Chase (Freedom)

not including my store cards, I believe the highest is my Gap Visa around ~25%

800+ across all three (via FAKOs) has been achieved! Current goal - Get down to 6 cards in total - sitting with 8 currently.

skorpyo3 · ‎05-10-2015

@leoment wrote:

Lowest: 6.25% from FNBO

Highest: 23.24% from Chase (Freedom)

not including my store cards, I believe the highest is my Gap Visa around ~25%

So far you have the lowest APR! Chase is just crazy! They aren't very good with APRs from what I've seen.

|EQ 698|TU 674|EX 665| BK discharged 11/2012

[Amex PRG No PSL] [Cap 1 QS Visa Sig $50,000] [Barclaycard CashForward WMC $25,000] [Patelco CU MC $20,000] [BofA Cash Rewards Visa Sig $15,000] [Amex BCE $13,000] [Discover It Cashback $13,500] [US Bank Cash + Visa Sig $10,000][US Bank Platinum Visa $8,400] [Penfed Power Cash Rewards Visa Sig $10,000] [USAA Cashback Rewards Plus Amex $15,000] [Citi AAdvantage WMC $5,000] [Macy's Amex $7,500] [JCP $6,500] [Amazon Prime $6,000] [Target $2,000]

Anonymous · ‎05-10-2015

@skorpyo3 wrote:
@Anonymous wrote:
Lowest: AlaskaUSA Visa Platinum 8.99% (Old card is here to stay)
Highest: CapitalOne QuickSilverOne 24.99%
Awesome low APR. I'm assuming Cap1 QS1 is one of your first cards based on the APR and card type, compared to your others.

No, actually it was my first new card in a number of years (got it in May 2013, had not applied for a card since 2008) however I had a recent mortgage short sale in summer 2012 and late payments that tanked my score prior to me applying. I knew my score was down but didn't know how much lol. I was happy they approved me for $1k at the time (tied for my highest limit then).