Credit Cards

[bs6054]

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kevinjjc wrote:

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HiLine wrote:

Looks like PenFed promise offers the lowest APR right now: 9.99%

With your credit scores, you're guaranteed a high limit, so I wouldn't worry about this. 

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9.99% is definitely not the lowest available APR.

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No, but are there lower ones on top-tier rewards cards (which I consider the Penfed Platinum Rewards to be, with 5/3/1 upcapped)

[r1lukasz]

I just apply for Amex:

"Thank you for applying for the Blue Cash EverydaySM from American
Express. Your application has been received and will be processed as soon as
possible and we will notify you of the decision by mail within 14 days.
Thank you for applying."

[MovingForward_2012]

You can call the loan department to expedite your request. They will tell what is holding it up.

[kevinjjc]

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bs6054 wrote:

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kevinjjc wrote:

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HiLine wrote:

Looks like PenFed promise offers the lowest APR right now: 9.99%

With your credit scores, you're guaranteed a high limit, so I wouldn't worry about this. 

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9.99% is definitely not the lowest available APR.

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No, but are there lower ones on top-tier rewards cards (which I consider the Penfed Platinum Rewards to be, with 5/3/1 upcapped)

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I agree with you, but just wanted to point out that 9.99% is not the lowest APR offered out there.

[kevinjjc]

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r1lukasz wrote:

I just apply for Amex:

"Thank you for applying for the Blue Cash EverydaySM from American
Express. Your application has been received and will be processed as soon as
possible and we will notify you of the decision by mail within 14 days.
Thank you for applying."

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You can check the status of your application here: https://www.americanexpress.com/myappstatus

There's a chance it's already approved.

[r1lukasz]

approved! what will be the next card I can try to apply? I was looking at  US Bank Cash + Visa Signature Card but there is no option to apply online

[bs6054]

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r1lukasz wrote:

approved! what will be the next card I can try to apply? I was looking at  US Bank Cash + Visa Signature Card but there is no option to apply online

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Yes, it is branch only at present.  But that really is mainly a reward card (a good one!) rather than low APR, with APR on new cards of a minimum of 13.99.   As previously mentioned, PenFed Platinum Rewards will give you a 9.99% APR, and often a limit as least as high as on the Cash Plus.  This gives the same grocery reward as the Blue Cash Everyday (but is uncapped) and gives 5% on gas rather than 2%.   (Personally, I prefer this to the BCE!)

[creditnocash]

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r1lukasz wrote:

approved! what will be the next card I can try to apply? I was looking at  US Bank Cash + Visa Signature Card but there is no option to apply online

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what limit did you get? 

[r1lukasz]

Don't know ,it only show status of application : approved

[MovingForward_2012]

Congratulations!