Interest Rates

[jmbfl]

Let's see... I have a BOA AMEX at 9.99% fixed (0% BT) and a WAMU/Providian at 32% variable. Guess what got BT'ed where? The problem is that that WAMU card has a $3900 CL and is 8.5 years old so it is here to stay Think they will ever decrease that rate? WAMU is so psychotic I'm afraid to ask. Maybe when I am six billing cycles and a couple of PIF lunches past the BT, at which time they will probably tell me to reapp and merge so I get stuck with an inquiry over it. If they really wanted to be spiteful they could CLD that card into oblivion. They won't do that though - they will leave it sit as is, collect the annual fee and hope at some time in the future I am stupid enough to carry a balance again. Fat chance.

[rubaty]

Here is my list of below 10% & over 20%.  I have a few in the teens as well.

Lowest:

USAA MC: 7%

USAA AMEX: 7%

CHASE VISA: 8.99%

SFCU VISA: 9.14%

BOA 49ER VISA: 9.99%

Merrill + VISA: 9.99%

AAFES Star Card: 10% (2nd Oldest acct/19 yrs)

Highest:

Providian: 32% (3rd Oldest acct/13yrs)

Orchard MC: 22.99%

BestBuy store card: 21.99%

JCP: 21.99% (Oldest acct/20 yrs)

[Anonymous]

USAA, Juniper and Chase Marine Corp Card are all around 10%

My Navy Fed rewards card is 11.9%

Sears is 22.9

and my oldest card which is a Chase Platinum is at 24.9% b/c I've had it through some bad times, I'll probably try some apr recon with them soon though

[Anonymous]

Lowest is Nordstrom: 5% (prime + 0, this is where my only non-0% balance is; however, no incoming BT allowed)

Highest is Express: 22% (God help me if I'm ever carrying a balance on this)

BofA product change is in process, hope I'll get a 9.9% on that.

All of my other cards are at the lowest offered by the program, except...

Amex Blue (relatively new) at 11.?%, and I'm working on it.

[Anonymous]

BofA PP Visa w/WP 16.24
Chase Flex Rewards 19.99

Chase wouldn't budge btw asked them twice this month for APR reduction to match or exceed BofA. Chase is relatively new since Feb.

BofA dropped rates all year for me without asking exceeding fed rate drops. Pretty pleased with them. Probably dropped me to better tier pricing after nearly two years of perfect history.

[ocheosa]

Amex Blue  8.99%

JFCU Plat Visa  9.99% (intro 6 mos 6.99%)

Discover 10.74% (BT 3.9%)

Chase Disney Visa 11.99% (intro 1yr 0%)

Citi Diamond Preferred 12.49% (BT 0%)

US Bank Cash Back Plat Visa 15.75% (BT 0%)

US Bank WorldPerks Plat Visa 15.75% (no pre-set limit) new card 3/08 after 1yr will try to lower APR

BOA Preferred Visa 15.99% (intro 1yr 0% APR Purchases, Bal Xfers, Cash Advance) new card 3/08 after 1yr promo will try to lower APR

Message Edited by ocheosa on 05-18-2008 11:08 AM

[fused]

My Amex Blue is now 6.99 (nominal APR) but I hardly use it

[ocheosa]

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fused wrote:

My Amex Blue is now 6.99 (nominal APR) but I hardly use it

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Awesome! I am going to wait a year and try to get it lowered again. I have had this card for 2 years and it is actually my "go to" card. I can either pay in full or run a balance (no longer than 3 months). Have been wondering about changing to Clear; would you think it better or worse? It seems to have more perks.

Message Edited by ocheosa on 05-18-2008 12:17 PM

[fused]

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ocheosa wrote:

Awesome! I am going to wait a year and try to get it lowered again. I have had this card for 2 years and it is actually my "go to" card. I can either pay in full or run a balance (no longer than 3 months). Have been wondering about changing to Clear; would you think it better or worse? It seems to have more perks.

Message Edited by ocheosa on 05-18-2008 12:17 PM

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Clear is the way to go if fees are important to you. No BT fees makes Clear an attractive card.

[Anonymous]

ZERO. My best is 0% -On my discover and my 4.9% on my transfer platinum Bof A Card! Yes, next year they go back up to 8. Or 7 ----------------Hope I can stop this