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Congrats....but HOLY CARD Act APR violation bateman!! (well, it should be at that rate)
769 ⋅ INQs: 6 | 774 ⋅ INQs: 5 | 764 INQs: 8 | UTIL: 2% | AAoA: 5yr 8mos | Total Credit Line: $873,950 |
YOU...
Mike, please give the lenders some mercy!!!
CONGRATS on your Approval, the AWESOME SL, and Welcome to the PayPal Cashback MC family!!!
@Anonymous wrote:
@credit_is_crack wrote:
If your a PIF kinda spender than APR doesn’t matter. As your scores and general profile improves you’ll see lower and lower APRs roll thru.
For me I still seem to get good SLs when I have a lot of new accounts but when I scale back for at least 6-8 months with no inquiries or accounts then the APR offers really are attractive. For me, more inquiries and new accounts = higher APRsYeah I get that and I agree with you but it’s kind of crappy to have a card that has 22.24% as it’s lowest APR and 29.24% as it’s highest, with most cards issued at 26.24%. I guess Sync has to pay for the 2% somehow since it’s a standard MasterCard, not a WMC/WEMC.
OP CONGRATS!!! I just checked my APR from this months bill.....I am at 18.24 so did something change recently?
@odd_dog wrote:
@Anonymous wrote:
@credit_is_crack wrote:
If your a PIF kinda spender than APR doesn’t matter. As your scores and general profile improves you’ll see lower and lower APRs roll thru.
For me I still seem to get good SLs when I have a lot of new accounts but when I scale back for at least 6-8 months with no inquiries or accounts then the APR offers really are attractive. For me, more inquiries and new accounts = higher APRsYeah I get that and I agree with you but it’s kind of crappy to have a card that has 22.24% as it’s lowest APR and 29.24% as it’s highest, with most cards issued at 26.24%. I guess Sync has to pay for the 2% somehow since it’s a standard MasterCard, not a WMC/WEMC.
OP CONGRATS!!! I just checked my APR from this months bill.....I am at 18.24 so did something change recently?
I’m at 18.24% too. It’s been creeping up since I got it (just like almost every other card). I could be wrong but I think mine started at 16.99% at the end of 2017. I can only go back 1 year in online statements, and in June of last year, I was at 17.49%.
@imaximous wrote:
@odd_dog wrote:
@Anonymous wrote:
@credit_is_crack wrote:
If your a PIF kinda spender than APR doesn’t matter. As your scores and general profile improves you’ll see lower and lower APRs roll thru.
For me I still seem to get good SLs when I have a lot of new accounts but when I scale back for at least 6-8 months with no inquiries or accounts then the APR offers really are attractive. For me, more inquiries and new accounts = higher APRsYeah I get that and I agree with you but it’s kind of crappy to have a card that has 22.24% as it’s lowest APR and 29.24% as it’s highest, with most cards issued at 26.24%. I guess Sync has to pay for the 2% somehow since it’s a standard MasterCard, not a WMC/WEMC.
OP CONGRATS!!! I just checked my APR from this months bill.....I am at 18.24 so did something change recently?
I’m at 18.24% too. It’s been creeping up since I got it (just like almost every other card). I could be wrong but I think mine started at 16.99% at the end of 2017. I can only go back 1 year in online statements, and in June of last year, I was at 17.49%.
You are correct, last May APR was 17.49 anything before that you have to request......nice catch!!
@Anonymous wrote:OP, what's your current TU score?
Due too way too much activity, it is probably around 650. I only get dailies from EX.
@Anonymous wrote:Congrats but why the regrets? Great card to have and I see you will get a statement credit of $100 after spending $1k.
I didn't need the card. I needed the gratification. Yes, 2% on everything is strong. Just not sure SYNC is what I want to base my daily spend on. DW is on the Citi DoubleCash plan. Discover is being great to me. When first year with Disco ends I will need to reevaluate.
@odd_dog wrote:
@Anonymous wrote:
@credit_is_crack wrote:
If your a PIF kinda spender than APR doesn’t matter. As your scores and general profile improves you’ll see lower and lower APRs roll thru.
For me I still seem to get good SLs when I have a lot of new accounts but when I scale back for at least 6-8 months with no inquiries or accounts then the APR offers really are attractive. For me, more inquiries and new accounts = higher APRsYeah I get that and I agree with you but it’s kind of crappy to have a card that has 22.24% as it’s lowest APR and 29.24% as it’s highest, with most cards issued at 26.24%. I guess Sync has to pay for the 2% somehow since it’s a standard MasterCard, not a WMC/WEMC.
OP CONGRATS!!! I just checked my APR from this months bill.....I am at 18.24 so did something change recently?
New account terms were updated in October to institute 21.99% as the lowest APR, 25.99% as the mid, 28.99% as the high. Then the prime rate went up.
https://images.synchronycredit.com/consumereApply/Internet/paypaldc/en/pdf/TermsConditions70.pdf
Uh, yes
@odd_dog wrote:OP CONGRATS!!! I just checked my APR from this months bill.....I am at 18.24 so did something change recently?
Yes, something has changed. Lot's of things have changed. Biggest begins with a "D", ends with and "e", and has "ivorc" in the middle. It is right there in my signature.