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Whats your guys best interest rate? How long have you had account?

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dabossman
Contributor
‎04-03-2014 03:01 PM
‎04-03-2014 03:01 PM

Whats your guys best interest rate? How long have you had account?

Tittle says it all, i'm curious on all your guy's accounts, whats your lowest interest rate, not promotional rate, just if you need to carry a balance what card do you use an why?

 

secondly how long have you had the card? DId you always have that rate, or did you get get APRDs?

Mouse over for Limits, Sorted Oldest to Newest
Message 1 of 68
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longtime_lurker
Valued Contributor
‎04-03-2014 03:03 PM
‎04-03-2014 03:03 PM

Re: Whats your guys best interest rate? How long have you had account?

8.9% on my CU card - have had it for over two years. Started at 12.9% - their fixed interest rate for State students, and they SP'ed me and auto reduced it. No cash advance fee with same interest rate, and no bt fee. A great emergency card!

Current cards: MSUFCU Platinum, Amex PRG, Amex Surpass, Amex BCE, Citi Prestige, Citi Double Cash, Citi Premier, US Bank Cash +, Huntington Voice, AAviator, Sallie Mae, Discover IT, Chase Freedom TU:753 EQ Enhanced: 758
Message 2 of 68
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coldnmn
Mega Contributor
‎04-03-2014 03:05 PM
‎04-03-2014 03:05 PM

Re: Whats your guys best interest rate? How long have you had account?

8% Barclay Ring.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 3 of 68
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SunriseEarth
Moderator Emeritus
‎04-03-2014 03:06 PM
‎04-03-2014 03:06 PM

Re: Whats your guys best interest rate? How long have you had account?

@dabossman wrote:

Tittle says it all, i'm curious on all your guy's accounts, whats your lowest interest rate, not promotional rate, just if you need to carry a balance what card do you use an why?

 

secondly how long have you had the card? DId you always have that rate, or did you get get APRDs?

My best regular APR is 13.9% on my new Sony Card.   They pulled EX with a 682 at approval (and every other CRA, for that matter, since they're Capital One).



Start: 619 (TU08, 9/2013) | Current: 809 (TU08, 3/05/24)
BofA CCR WMC $75000 | AMEX Cash Magnet $64000 | Discover IT $46000 | Disney Premier VS $43600 | Venmo VS $30000 | NFCU More Rewards AMEX $25000 | Macy's AMEX $25000 Store $25000 | Cash+ VS $25000 | Altitude Go VS $25000 | Synchrony Premier $24,200 | Sony Card VS $23750 | GS Apple Card WEMC $22000 | WF Active Cash VS $18,000 | Jared Gold Card $16000 | FNBO Evergreen VS $15000 | Citi Custom Cash MC $14600 | Target MC $14500 | BMO Harris Cash Back MC $14000 | Amazon VS $12000 | Freedom Flex WEMC $10000 | Belk MC $10000 | Wayfair MC $4500 ~~
Message 4 of 68
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tcbofade
Super Contributor
‎04-03-2014 03:08 PM
‎04-03-2014 03:08 PM

Re: Whats your guys best interest rate? How long have you had account?

DW got a card at her CU with a 9.9% rate....she opened it in December, and all December transactions AND BT's are at 4.9% until they are paid off! 

04/01/24 Fico 8: EX 763, EQ 799, TU 783.
Fico 9: EX 756 03/13/24, EQ 790 02/04/24, TU No idea.

Zero percent financing is where the devil lives...
Message 5 of 68
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-Wade-
Valued Contributor
‎04-03-2014 03:08 PM
‎04-03-2014 03:08 PM

Re: Whats your guys best interest rate? How long have you had account?

The best rate i got is 9.9% but all my cards are cash back bonus cards.

 

SDFCU has a card for 6.9% but i have no need for it right now

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
Message 6 of 68
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Chris679
Established Contributor
‎04-03-2014 03:51 PM
‎04-03-2014 03:51 PM

Re: Whats your guys best interest rate? How long have you had account?

CU card is 7.75%, Citi Forward is 11.24%
Message 7 of 68
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celluloid17
Established Contributor
‎04-03-2014 04:12 PM
‎04-03-2014 04:12 PM

Re: Whats your guys best interest rate? How long have you had account?

Chase Freedom (originally Slate) at 8.24% since June 2009.

Message 8 of 68
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leoment
Frequent Contributor
‎04-03-2014 04:14 PM
‎04-03-2014 04:14 PM

Re: Whats your guys best interest rate? How long have you had account?

My lowest rate is on my Citi Forward - it's 9.49 but will drop to 9.24 on my next billing statement.

 

I originally had a mtvU card (at 11.24%), but 2 years ago Citi converted the card to a Forward, which included a 0.25% APR reduction each quarter for paying on time, for a total of 8 quarters total. 

 

I use the card for the 5x categories, but if (when) they get rid of the 5x I'll just convert it to the Dividend and use it for BTs.

800+ across all three (via FAKOs) has been achieved! Current goal - Get down to 6 cards in total - sitting with 8 currently.
Message 9 of 68
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Chris679
Established Contributor
‎04-03-2014 04:27 PM
‎04-03-2014 04:27 PM

Re: Whats your guys best interest rate? How long have you had account?

Shhhhhh! (Maybe they forgot about the 5x categories)
Message 10 of 68
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