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i normally always pay in full.
i keep getting pre approvals for the discover it.
last time they offered me 12 months and 16.99 after.
today is 14 months 0% for bts and purchases and 12.99 afterwards.
also got a city simplicity, with a pre approval for 0% for 18 months and 13.99 afterwards (not for for purchases)
im glad my credit is heading in the right direction.
i believe my freedom is 21% and my citizens is 19%..... (both in 0% intro right now)
Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23 Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE | Buy A Home Earn Cash Back | Amex Zync(Unicorn) Chase Freedom$1500 Discover IT$7,400 Citi DC $10,000 Citizens Mastercard$7,000 |
@creditnocash wrote:i normally always pay in full.
i keep getting pre approvals for the discover it.
last time they offered me 12 months and 16.99 after.
today is 14 months 0% for bts and purchases and 12.99 afterwards.
also got a city simplicity, with a pre approval for 0% for 18 months and 13.99 afterwards (not for for purchases)
im glad my credit is heading in the right direction.
i believe my freedom is 21% and my citizens is 19%..... (both in 0% intro right now)
22.99%
I just looked at my statement and it says 3.99% even though I haven't paid one dime of interest on the card...LOL!! I'm not sure if this is an introductory rate or not (probably is) and the cash advance is 24.99%.
@Rhaeny wrote:I just looked at my statement and it says 3.99% even though I haven't paid one dime of interest on the card...LOL!! I'm not sure if this is an introductory rate or not (probably is) and the cash advance is 24.99%.
Sounds like the 6 month deal then it goes up. When did you get the card???
@LS2982 wrote:
@Rhaeny wrote:I just looked at my statement and it says 3.99% even though I haven't paid one dime of interest on the card...LOL!! I'm not sure if this is an introductory rate or not (probably is) and the cash advance is 24.99%.
Sounds like the 6 month deal then it goes up. When did you get the card???
December
Mine is 16.99%, but used to be higher since I had chosen the $200 bonus over the lower APR on the card builder section.
0% til march 2014 and 18.99% after
did any of you guys take the promo, and then the interest rate was higher?
im really debating this deal, but i am in the garden.
eq is my worst report for inquries... 8 in 2 years. 1 is a double for a car loan.. 2 over a year 2 at 10 months and the rest on august 30th.
Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23 Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE | Buy A Home Earn Cash Back | Amex Zync(Unicorn) Chase Freedom$1500 Discover IT$7,400 Citi DC $10,000 Citizens Mastercard$7,000 |
@creditnocash wrote:did any of you guys take the promo, and then the interest rate was higher?
I did it when they had the card builder where you could select the sign-up bonus, APR and 0% duration. The lower the APR or the longer the 0%, the lower the sign-up bonus and vice versa.
I selected the highest sign up bonus at $200, but had the highest APR at 20.99% and very short 0% promo (3 or 6 months). After a year, they lowered my APR to 16.99%; so, whatever you choose, after 12 months they can re-evaluate and lower the APR.