Do you care about APR?

[Aim_High]

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@Aim_High wrote:

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Wow.  I don't think I've seen such a collection of low APR cards not to mention with rewards.  That is quite impressive ... How did you manage to assemble this list? 

@galahad15 wrote:

Hi there & many thanks for the kind words and for your very thoughtful message, I deeply appreciate it!   

... quite a few of the cards were based on themanwhocan's outstanding low-APR and fixed-APR card charts and lists;

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You're welcome, and thanks for the thorough explanation about your low interest cards!

That is the first I had heard about themanwhocan and I looked his list up.  I bookmarked it and will check it out more later.

Sounds like a combination of research and good luck on your part.  Congrats!  I have converted cards before but my understanding was whatever the 'new' rate was on the product I was changing into became the rate on my card, regardless of what it was beforehand, but I may be mistaken.

The main low APR card I'm eyeing now is the Navy FCU Visa Platinum with 8.24% APR.  It's the lowest-rate card I found on a large lender with good customer service reviews.  Lower rates seem to be on smaller banks or CU's with smaller customer service departments and/or spotty quality reviews.  But I'll check out some of your cards and themanwhocan's list too!

[Anonymous]

I don't care about APR because I PIF. I like AZEO and since I have had trouble in my financial past 2007 I am uncomfortable with carrying debt.

In the few rare occasions when I don't I do have a low APR card through DCU and usually have several 0% offers on Disco, BBVA, UBS+, etc who send me checks every month or two.

[Anonymous]

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Doesn't seem like sound advice for people to rely on cards to get them through a disaster in the first place. Half this country has no money in savings, and less than a quarter have enough to get them through a few months. That's a much bigger disaster, it's already here and not around the corner, and it's one that very few seem willing to talk about.

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This is precisely why I won't clear out my savings to pay the bit of debt I'm carrying right now.

I can use savings for whatever I might need in any situation and know it's going to be there. I control it.

A credit card issuer controls my access to that money and could pull the plug on it anytime before I need it.

[Anonymous]

I think most of us made a mistake of not paying in full to the banks.
Personally, I learned it the hard way.
Today I don’t spend $5k if I don’t have it in my bank account plus some savings to be able to pay it off comfortably.
Credit card is my last resort when it comes to emergencies. First I would look into making extra money. Maybe pick up some gig, do deliveries, uber.