If you ever want an ACL boost all you need to do is make a phone call and take Lowe's to $35k 
@Anonymous wrote:If you ever want an ACL boost all you need to do is make a phone call and take Lowe's to $35k
Until Sync summons the power of all that is evil and smites you with an all accounts closed curse! 😂
@Anonymous wrote:If you ever want an ACL boost all you need to do is make a phone call and take Lowe's to $35k
I'm not really trying to max out my lines. Last year I had some bumped up and tried Synchrony online without success. I'm good with where they are. I lost 17,500 on my Savor this year.
I decided to play, although like some others, I don't really put a lot of stock into APR's since I PIF. My limits are already in my sig, but these are my APR's. Barclays, AMEX, and (surprisingly) Discover are my culprits.
AODFTW !
On Deck: No Plans Currently
@redheadtempe36 wrote:I have a card from FNBO ($15,000), that has a 3.25% APR (it is matched to the prime rate).
It does have a $49 AF.
I jumped all over it when they offered it (it is no longer available). In retrospect though, I bet their line of thought was that people who qualifed for the card, are very unlikely to carry a balance anyway (and I would bet they are right) so the $49 is "free" money.
I keep it for high ticket purchases/emergencies.
I've seen that card and thought it was great until I saw the AF. As you said, I don't expect to carry balances and don't think paying an AF is worth having that. Now, if they said they'd charge you the AF and the prime if and when you started to use it, that might be better. I have the Navy Federal Platinum at 5.99% which isn't bad at all if I needed it for emergencies and if I would be rolling it over for more than a month or two it seems I often have good BT offers on my other cards. For example, right now I have some BT offers on Discover for 4% BT fee, so essentially 4% APR without having to open new lines of credit or pay a standing AF. Just a different way of planning for the same contingencies.
@CreditCuriosity wrote:Due to pure boredom and a need to start to get organized and get my credit cards in a spread sheet I decided to create a list of CC and APR from lowest to highest along with CL's. I am excluding store cards such as Lowes, etc along with business cards and line of credit ploc/clos in this post. I was really curious where my APR's stood today although certainly try not to carry a balance unless 0%. Thought i had some more sub 10% cards, but apparently not.. Time to seek some
Credit Card APR Credit Limit NFCU Platnium 5.99 $ 50,000.00 AODFCU 7.49 $ 20,000.00 NFCU More Rewards 9.65 $ 30,000.00 Farm Buureau Bank 9.99 $ 18,250.00 Discover IT 11.24 $ 19,500.00 BBVA Clear Points 11.24 $ 12,000.00 MDSECU 11.49 $ 20,000.00 Synovous Cash Rewards 13.74 $ 18,000.00 PenFed PCR 13.99 $ 30,000.00 Union Bank 13.99 $ 12,500.00 5/3 TRIO 13.99 $ 10,000.00 BofA Merill Lynch 13.99 $ 61,500.00 PenFed Pathfinder 14.99 $ 12,000.00 Citi DC 14.99 $ 27,000.00 Chase Freedom 14.99 $ 5,000.00 AKC Visa 15.23 $ 15,000.00 BBT Rewards 15.24 $ 9,000.00 Citi Costco 15.24 $ 13,500.00 Amex Schwab 15.49 $ 10,000.00 Regions 15.99 $ 13,000.00 Verizon Visa 15.99 $ 7,500.00 Apple Card 15.99 $ 8,000.00 Chase CSR 15.99 $ 35,000.00 Charse Marriott 15.99 $ 19,000.00 Chase IHG 15.99 $ 1,000.00 William Sonoma 16.74 $ 25,000.00 RedStone FCU 18 $ 6,000.00 Commerce Bank Save the Children 18.99 $ 9,000.00 Ducks Unlimited 18.99 $ 15,000.00 PNC Core 18.99 $ 15,000.00
SOFI WEMC 19.99 $
9,500
PNC Caash Rewards 22.99 $ 17,500.00 HSBC Cash Rewards 22.99 $ 12,500.00 Macy's Amex 26.99 $ 25,000.00
Did any of those start with higher APRs and were later lowered?