Which issuers have a "multiple choice" APR in their terms and conditions as opposed to a range?
So far I've noticed Cap1 and Barclay do. I'm guessing that simplifies their algorithm somewhat, but it also probably makes them less likely to make minor adjustments by request.
I know many of us PIF every month and don't care about APR anyway, but has this ever factored into anyone's app decisions or approval reactions?
@MrDisco99 wrote:Which issuers have a "multiple choice" APR in their terms and conditions as opposed to a range?
So far I've noticed Cap1 and Barclay do. I'm guessing that simplifies their algorithm somewhat, but it also probably makes them less likely to make minor adjustments by request.
I know many of us PIF every month and don't care about APR anyway, but has this ever factored into anyone's app decisions or approval reactions?
As far as I can best recall, all of the time-limited FNBO cards that where offered over the past 2 years (i.e., the non-Travelite FNBO Amex and the BucksBack VS), with the exception of the Travelite Amex, offered a single specific APR value. If past is prologue, it may be that future time-limited offers from FNBO may possibly follow this pattern? Also not 100% sure how to differentiate an APR range from multiple choice per se, can you pls elaborate a little more as to how you are making the distinction?
ETA: I PIF on all of my cards except 1 or 2 with minimal balances, but APR is still very important to me regardless, and during the app process as well 
American Express has this one some cards. The Blue from American Express in my signature is a good example. With the hike in prime rate it's gone up a lot in just a year!
APR on purchases will be a variable rate, currently 16.24, 19.24 or 21.24%, based on your creditworthiness and other factors.
I guess that means mine is now 15.24 (1% off on a promo right now); it was in the 14s not long ago.
Some store cards are like this too. The BJ's Elite Perks WMC was I think 15% or 25% depending on creditworthiness.
