https://ficoforums.myfico.com/t5/Credit-Cards/FYI-BEFCU-recently-increased-their-formerly-as-low-as-4-99-F-to/m-p/6696979#M1852222 <P>One thing I'd love to have is a fixed rate card. Especially if I could get in with something like a 4 or 5% rate. It would be a nice "Ace in the hole" to have available.</P><P>&nbsp;</P><P>Also it wouldn't be a FIXED RATE if it went up with the Fed rate. This is a bet the bank/CU makes when they offer it and why most FIs don't offer one at all.</P><P>&nbsp;</P> Mon, 24 Jul 2023 16:35:54 GMT Lou-natic 2023-07-24T16:35:54Z https://ficoforums.myfico.com/t5/Credit-Cards/FYI-BEFCU-recently-increased-their-formerly-as-low-as-4-99-F-to/m-p/6696883#M1852215 <P>FYI:&nbsp; as far as I am best aware, and I believe actually sometime last week,&nbsp;BEFCU has (sadly, imo) recently increased their formerly as-low-as 4.99% F VISA card offering to 7.99% F (<A href="https://www.bournsfcu.org/loans-and-credit-cards/credit-cards" target="_self">link</A>, see near the bottom of this linked page for the updated interest rate).</P><P>&nbsp;</P><P>IME, I'm glad I was able to get in at 5.49% F in 2017, also when BEFCU was also formerly allowing apps outside of CA, since they are now presently geofenced to CA.&nbsp; While I know of course that 5.49% F is not the former-lowest rate of 4.99% F, I was still delighted with the 5.49% F rate that I received, since prior to my BEFCU VISA, my previous lowest-fixed-rate card of all time was my&nbsp;Citi DPR card at 5.99% F (now closed, after when Citi tried to RJ me to double-digit variable rates, during the time of CARD Act).</P><P>&nbsp;</P><P>ETA:&nbsp; tbh, I was kind of waiting for this shoe to drop, since the previous-lowest rate of 4.99% F was unsustainable with modern-day inflationary pressures.&nbsp; I was actually pleasantly surprised that they offered the 4.99% F rate as long as they did (from at least 2017 or earlier - 7/2023, iirc).&nbsp; The good news is thus far to date, all of the lower original rates, vs. present-day higher rates, of all of my fixed-rate cards have not changed or increased so far; hoping that they will remain grandfathered that way into the future, but of course you never know if/when even any or all fixed-APR cards will eventually increase, given today's red-hot inflationary trends.</P> Mon, 24 Jul 2023 05:31:32 GMT https://ficoforums.myfico.com/t5/Credit-Cards/FYI-BEFCU-recently-increased-their-formerly-as-low-as-4-99-F-to/m-p/6696883#M1852215 galahad15 2023-07-24T05:31:32Z https://ficoforums.myfico.com/t5/Credit-Cards/FYI-BEFCU-recently-increased-their-formerly-as-low-as-4-99-F-to/m-p/6696911#M1852220 <P>This credit union has the most limited field of membership I have ever seen <img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /></P> Mon, 24 Jul 2023 14:19:34 GMT https://ficoforums.myfico.com/t5/Credit-Cards/FYI-BEFCU-recently-increased-their-formerly-as-low-as-4-99-F-to/m-p/6696911#M1852220 SouthJamaica 2023-07-24T14:19:34Z https://ficoforums.myfico.com/t5/Credit-Cards/FYI-BEFCU-recently-increased-their-formerly-as-low-as-4-99-F-to/m-p/6696979#M1852222 <P>One thing I'd love to have is a fixed rate card. Especially if I could get in with something like a 4 or 5% rate. It would be a nice "Ace in the hole" to have available.</P><P>&nbsp;</P><P>Also it wouldn't be a FIXED RATE if it went up with the Fed rate. This is a bet the bank/CU makes when they offer it and why most FIs don't offer one at all.</P><P>&nbsp;</P> Mon, 24 Jul 2023 16:35:54 GMT https://ficoforums.myfico.com/t5/Credit-Cards/FYI-BEFCU-recently-increased-their-formerly-as-low-as-4-99-F-to/m-p/6696979#M1852222 Lou-natic 2023-07-24T16:35:54Z