Established Contributor
SwiftTone
Posts: 984
Registered: ‎02-27-2012
Re: Lending Club Joke
[ Edited ]

Who did you apply with? Most CCs now are 15-29% except for some CUs and few banks.

 

When I applied with Discover with a 709 EQ FICO, my APR is 19.99%. When I applied with AMEX with 712 EX FICO and 729 EQ FICO my APR is 22.24%. I'd be more upset but I don't carry a balance on a normal basis, maybe 1-2 months out of the year.

BCE: $0/$8500, CSP: $15/$5000, Chase Priority Club: $0/$3500, Freedom: $0/$5000, Barclays NFL: $0/$7000 Discover: $0/$4750, Citi Dividend: $0/$2000 Cap1 x2 $0/$2250

EQ FICO - 07/2012: 699, 08/2012: 714, 10/2012: 729, 11/2012: 686, 12/2012: 723, 01/2013: 737, 03/2013: 725, 04/2013: 734, 05/2013: 736
EX FICO(AMEX) - 10/2012: 712