amex with lowest apr?

[SunriseEarth]

---

@johnpalley wrote:

---

@trumpet-205 wrote:

---

@johnpalley wrote:

im not able to provide proof of income so cu's are out of the question at this point. barclay ring is on my list thats my dream card.

---

If you don't have proof of income, then you shouldn't apply for a credit card in the first place. Last thing you want from a credit card issuer is to accuse you of perjury, which is a federal felony.

---

ok dad lol. thread finished.. thanks to everyone that helped me

---

Members of the board are just trying to be helpful; we do want everyone to succeed in their credit goals.   In actuality, any lender could ask for proof of income.   Cap One did it when I asked for a CLI back in March and I had to fax in pay stubs.   My CU used a record of my checking deposits to verify income.  All of my other lenders have accepted my statement of income without further support, but that could change at any time.  

BCE seems to be a good match for people that just want an AMEX revolver.   That'd be my recommendation for you.  

[lhcole77]

---

@johnpalley wrote:

i guess its gonna be one of those threads where no one gives a straight answer. im guessing the Amex EveryDay or the Blue Cash Everyday card? are these the best options?

---

My AMEX Delta was approved at 15.24% APR and I was able to get it reduced to 12.24% after about 6 months.

I have carried a small balance on it before (a few hundred bucks) with no issues.

[chalupaman]

My Amex Everyday card came with a 15 month intro APR of 0% and then an APR of around 12.99% afterwards. Charge cards obviously come with no APR attatched to them because you PIF on those.

[SunriseEarth]

---

@chalupaman wrote:

My Amex Everyday card came with a 15 month intro APR of 0% and then an APR of around 12.99% afterwards. Charge cards obviously come with no APR attatched to them because you PIF on those.

---

However, some charge cards are offered a "pay over time" option with a specific APR (hint: it's not really that competitive).  Since charge cards aren't intended for revolving balances, it's preferable to simply get a revolver.  

[johnpalley]

---

@cottoncrown wrote:
Blue Cash Everyday can be 12.99 and then further reduced to 9.99 after a couple months and you call in. You can carry balances with Amex. You don't need proof of income.

---

great info i appreciate it! im gonna apply for the blue cash

[SunriseEarth]

---

@johnpalley wrote:

---

@cottoncrown wrote:
Blue Cash Everyday can be 12.99 and then further reduced to 9.99 after a couple months and you call in. You can carry balances with Amex. You don't need proof of income.

---

great info i appreciate it! im gonna apply for the blue cash

---

Good luck!   Let us know your results over in "Approvals"

[johnpalley]

---

@SunriseEarth wrote:

---

@johnpalley wrote:

---

@trumpet-205 wrote:

---

@johnpalley wrote:

im not able to provide proof of income so cu's are out of the question at this point. barclay ring is on my list thats my dream card.

---

If you don't have proof of income, then you shouldn't apply for a credit card in the first place. Last thing you want from a credit card issuer is to accuse you of perjury, which is a federal felony.

---

ok dad lol. thread finished.. thanks to everyone that helped me

---

Members of the board are just trying to be helpful; we do want everyone to succeed in their credit goals.   In actuality, any lender could ask for proof of income.   Cap One did it when I asked for a CLI back in March and I had to fax in pay stubs.   My CU used a record of my checking deposits to verify income.  All of my other lenders have accepted my statement of income without further support, but that could change at any time.  

BCE seems to be a good match for people that just want an AMEX revolver.   That'd be my recommendation for you.  

---

the point is its no ones business why i cant show proof of income right now. that doesnt mean i dont have income it just means i cant show proof yet. i shouldnt even have to talk about this because thats not what this thread is about. theres no fraud going on people just like making assumptions on stuff that isnt there business. it happens alot to me on internet forums and its annoying. its all good though 

[johnpalley]

---

@SunriseEarth wrote:

---

@johnpalley wrote:

---

@cottoncrown wrote:
Blue Cash Everyday can be 12.99 and then further reduced to 9.99 after a couple months and you call in. You can carry balances with Amex. You don't need proof of income.

---

great info i appreciate it! im gonna apply for the blue cash

---

Good luck!   Let us know your results over in "Approvals"

---

thanks. will do

[SunriseEarth]

---

@johnpalley wrote:

---

@SunriseEarth wrote:

---

@johnpalley wrote:

---

@trumpet-205 wrote:

---

@johnpalley wrote:

im not able to provide proof of income so cu's are out of the question at this point. barclay ring is on my list thats my dream card.

---

If you don't have proof of income, then you shouldn't apply for a credit card in the first place. Last thing you want from a credit card issuer is to accuse you of perjury, which is a federal felony.

---

ok dad lol. thread finished.. thanks to everyone that helped me

---

Members of the board are just trying to be helpful; we do want everyone to succeed in their credit goals.   In actuality, any lender could ask for proof of income.   Cap One did it when I asked for a CLI back in March and I had to fax in pay stubs.   My CU used a record of my checking deposits to verify income.  All of my other lenders have accepted my statement of income without further support, but that could change at any time.  

BCE seems to be a good match for people that just want an AMEX revolver.   That'd be my recommendation for you.  

---

the point is its no ones business why i cant show proof of income right now. that doesnt mean i dont have income it just means i cant show proof yet. i shouldnt even have to talk about this because thats not what this thread is about. theres no fraud going on people just like making assumptions on stuff that isnt there business. it happens alot to me on internet forums and its annoying. its all good though 

---

I think with any internet forum, people will assume anything mentioned is open for discussion.   You had mentioned income proof as a factor in not going with a CU, so people responded.   I would recommend just omitting information on any subjects you'd prefer not to be discussed (i.e., 'I'm not considering CUs currently" would have neatly avoided the topic).   I'm sorry if the discussion annoyed you, but I don't think anyone intended their responses to be negative.  Many of us have worked hard on our credit and just want others to succeed, too.  

[Anonymous]

---

@trumpet-205 wrote:

---

@johnpalley wrote:

im not able to provide proof of income so cu's are out of the question at this point. barclay ring is on my list thats my dream card.

---

If you don't have proof of income, then you shouldn't apply for a credit card in the first place. Last thing you want from a credit card issuer is to accuse you of perjury, which is a federal felony.

---

SAY WHAT?  You crazy!  I don't do no stinkin proof of income and have plenty of cards and FICO scores.  "Federal felony"?!?  LOL, what a drama queen...