topic Re: I need low interest rate card in Credit Card Approvals

I need low interest rate card

falzool — Wed, 18 Mar 2015 07:12:51 GMT

All my cards are rewards cards and well I need a card with great low interest rates. I was looking at Barclay ring and pennfed what are your opinions on this?

Re: I need low interest rate card

baller4life — Wed, 18 Mar 2015 10:29:54 GMT

I'm assuming you are talking about Penfed Promise. Both great cards. Barclays will pull TU and Penfed pulls EQ. What are your Fico scores? Any new accounts or baddies?

Re: I need low interest rate card

Anonymous — Wed, 18 Mar 2015 12:30:00 GMT

@falzool wrote:
All my cards are rewards cards and well I need a card with great low interest rates. I was looking at Barclay ring and pennfed what are your opinions on this?

I think you should go with Penfed. I have their promise and the the APR is 7.99. But it will alll depend on your credit profile..

Re: I need low interest rate card

Anonymous — Wed, 18 Mar 2015 13:25:20 GMT

look into citi pre qual site , they were offereing me 12.99 rate whoch to me is low. but now since i didnt bite they are giving me 17.9 lol

Re: I need low interest rate card

SecretAzure — Wed, 18 Mar 2015 13:35:33 GMT

@Anonymous wrote:
@falzool wrote:
All my cards are rewards cards and well I need a card with great low interest rates. I was looking at Barclay ring and pennfed what are your opinions on this?
I think you should go with Penfed. I have their promise and the the APR is 7.99. But it will alll depend on your credit profile..

Or Barclaycard Ring Mastercard at 8.00%. Baller Works for Penfed (LOL JK) so he just loves to advertise that card.

Re: I need low interest rate card

Themanwhocan — Wed, 18 Mar 2015 13:42:30 GMT

Apple FCU VISA Platinum, as low as 5.74% APR, up to $35,000 limit
University FCU great rate card, as low as 5.90% APR.

Coastal24 Big Ticket Card. 6 months of 0% interest on purchases of $600 or more. 18% after that.

Re: I need low interest rate card

Anonymous — Wed, 18 Mar 2015 13:56:39 GMT

@Themanwhocan wrote:
Apple FCU VISA Platinum, as low as 5.74% APR, up to $35,000 limit
University FCU great rate card, as low as 5.90% APR.

Coastal24 Big Ticket Card. 6 months of 0% interest on purchases of $600 or more. 18% after that.

Very few people on this board are going to be eligible for Apple FCU but if you are its a very good card

OP, I also recommend PenFed if you qualify credit wise for their card. The Promise card is an excellent choice.

Re: I need low interest rate card

baller4life — Wed, 18 Mar 2015 14:38:16 GMT

@SecretAzure wrote:
@Anonymous wrote:
@falzool wrote:
All my cards are rewards cards and well I need a card with great low interest rates. I was looking at Barclay ring and pennfed what are your opinions on this?
I think you should go with Penfed. I have their promise and the the APR is 7.99. But it will alll depend on your credit profile..
Or Barclaycard Ring Mastercard at 8.00%. Baller Works for Penfed (LOL JK) so he just loves to advertise that card.

I'm a girl. LMAO. And I don't even work for Penfed. LOL. And I suggested both cards. Yes-Its-Me was the person you quoted suggesting Promise. Pay attention!

Re: I need low interest rate card

Anonymous — Wed, 18 Mar 2015 14:36:49 GMT

@baller4life wrote:
@SecretAzure wrote:
@Anonymous wrote:
@falzool wrote:
All my cards are rewards cards and well I need a card with great low interest rates. I was looking at Barclay ring and pennfed what are your opinions on this?
I think you should go with Penfed. I have their promise and the the APR is 7.99. But it will alll depend on your credit profile..
Or Barclaycard Ring Mastercard at 8.00%. Baller Works for Penfed (LOL JK) so he just loves to advertise that card.
I'm a girl. LMAO. And I don't even work for Penfed. LOL

Shouldn't have told him. Better to keep him guessing 😋

Re: I need low interest rate card

baller4life — Wed, 18 Mar 2015 14:40:00 GMT

You're right Irish! Lol. I don't know why peeps always assume I'm a dude. Like girls can't ball! LOL

Re: I need low interest rate card

Anonymous — Wed, 18 Mar 2015 14:51:42 GMT

@baller4life wrote:
You're right Irish! Lol. I don't know why peeps always assume I'm a dude. Like girls can't ball! LOL

Don't know why either. Had my a** handed to me quite a few times by women while playing 😀

Re: I need low interest rate card

SecretAzure — Wed, 18 Mar 2015 14:58:33 GMT

@Anonymous wrote:
@baller4life wrote:
You're right Irish! Lol. I don't know why peeps always assume I'm a dude. Like girls can't ball! LOL
Don't know why either. Had my a** handed to me quite a few times by women while playing 😀

My (female) cousin is playing college ball currently, very good. IDK why we assume but we do. Bulls just make me think of Michael Jordan and then I just assume a guy.

I'm not a girl. ICYWW.

Re: I need low interest rate card

baller4life — Wed, 18 Mar 2015 15:05:47 GMT

MJ and Bulls just happened to be my favs. That's all.

Re: I need low interest rate card

SecretAzure — Wed, 18 Mar 2015 15:12:19 GMT

@baller4life wrote:
MJ and Bulls just happened to be my favs. That's all.

Back to the thread, if you only need a low interest card for a while, many cards offer 0% interest for 12+ months, you could also go that route OP.

Re: I need low interest rate card

falzool — Wed, 18 Mar 2015 16:54:54 GMT

Well Fico was experion 727 for amex
I apped for Doscover it,SM,everyday,and usbank cash+ approved for all went on a spree so trying to see if I could get one more what typically are the reqs with ring

Re: I need low interest rate card

baller4life — Wed, 18 Mar 2015 17:13:22 GMT

Ring will pull TU. Are your new accounts reporting? If your TU is as high as EX and you have few inqs/new accounts, I'd say you were good to go for Ring.

Re: I need low interest rate card

falzool — Wed, 18 Mar 2015 18:02:54 GMT

Well denied due just recently got sm card they said I need history with it dispite having 3k limit with Barclay rewards and paid in full every month should I try second recon?

Re: I need low interest rate card

SecretAzure — Wed, 18 Mar 2015 18:21:18 GMT

@falzool wrote:
Well denied due just recently got sm card they said I need history with it dispite having 3k limit with Barclay rewards and paid in full every month should I try second recon?

How long have you had SM?

Re: I need low interest rate card

Anonymous — Wed, 18 Mar 2015 18:22:19 GMT

@falzool wrote:
Well denied due just recently got sm card they said I need history with it dispite having 3k limit with Barclay rewards and paid in full every month should I try second recon?

Yes, try a second one.

Re: I need low interest rate card

Anonymous — Wed, 18 Mar 2015 18:33:59 GMT

1. Do you need it for balance transfer or for new purchases?

2. How long do you need it?

3. Are there a lot of recent inqueries on your credit report already?

What I would do is - chat with the customer representatives of all my current rewards cards to see if there are promotional APR offer. Sometimes they actually do. That way you can avoid getting pull from you credit report again.