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After 0% ends it will be 19.99%. Probably because 2007 BK7 is still showing.
My most recent preapproved IT offer in the mail is for 13-16% after the 14 month intro rate of 0%. Don't see a bonus offer out there anymore. I'm waiting to sign up in late May when the CR is cleaner. I've been getting IT in the mail about every two weeks. I'll have to see if they ever differ.
I had just looked up my rates for my other credit cards today, because I didn't know them. Always have PIF and not worried. 23% on the Freedom. I guess because of the sign up bonus. I'll have to request that to be reduced in late May as well.
I've got a regular purchase APR of 8.99%. I have no idea how it ever got so low.
If I may, I've had Discover More since Nov 2012 with the following APR:
3.99% till 06/2013, 22.99% after
After I graduate from the garden(in October 2013) I would like to app for the IT and hoping to get a lower APR.
Anybody got IT after More and got lower APR?
~ 100k in Rev CC. 15k Credit Line. 16.5k Car Loan(@1.7%) Starting scores: 690 EQ (Dec 2012) Mid-year FICO scores April ‘13 Pulled by lenders(Barclays, Amex): TU 747 • EQ 752 • EX 746 • Scores As of Nov 2013: 740 and above across the board. |
@codesingh wrote:
Anybody got IT after More and got lower APR?
When I PC'ed to from the More to the IT, my APR was lowered from 20.99 to 16.99.
@andyaycw wrote:I've got a regular purchase APR of 8.99%. I have no idea how it ever got so low.
I know someone that says they have a 5.99% but that seems unusually low. 8.99% is great, I have 9.99%.
@open123, great idea...I'll PC end of next cycle(May end). I am assuming my open date will be same, just a different product.
@webhopper: did not know that. So when I call for PC to IT after 1 month(May end)...I can ask for APR reduction as well. Thx.
5.99% seems awfully low, I wonder if that is a promotional rate. Regardless, I never plan on carrying a balance so I never really pay attention to the APR on my cards and I don't bother to call in and ask for APR reductions. I used to when I was starting out with credit, but my interest in that has gone away as I've bulked up my credit portfolio.
I have 0% right now, and then I think in the 13-16% range after that if I recall correctly. I called Capital One up a few months back and got 9.9% for 6 months. Too bad I don't carry any balances.