@galahad15 wrote:All of my APRs are in my signature line, but the cards that I am personally the most pleased with are the ones below, listed in order from the current lowest APR to current highest, all with no AF:
(1) Unify FCU Variable-Rate VISA: 4.99% V
(2) BEFCU VISA: 5.49% F
(3) FNBO Amex: 6.25% V
(4) Andrews FCU VISA: 6.99% V *
(5) AOD FCU VISA: 7.49% F
(6) PACU MC: 7.50% F
(7) Unify FCU Fixed-Rate VISA: 8.99% F
(8) BoA Cash Rewards WMC: 9.99% F
I've always been impressed with your collection of low APR cards, @galahad15. I've wondered though, do you prefer to have all these for emergencies or do you regularly carry balances for some reason? I like having one or two for emergencies, but if I opened that many low-APR cards, I would probably end up having any without rewards closed due to insufficient usage over time! But that's just me. On the other hand, I do see some that have rewards as well as the low rate and others that I'm not familiar with may have them as well. Your strategy?
@Aim_High wrote:I've always been impressed with your collection of low APR cards, @galahad15. I've wondered though, do you prefer to have all these for emergencies or do you regularly carry balances for some reason? I like having one or two for emergencies, but if I opened that many low-APR cards, I would probably end up having any without rewards closed due to insufficient usage over time! But that's just me. On the other hand, I do see some that have rewards as well as the low rate and others that I'm not familiar with may have them as well. Your strategy?
Hi @Aim_High , thank you for the compliment on the low APR cards, I appreciate it! 
In response to your question: I do carry several balances on some of the cards I have that are on the lower end of the APR spectrum. However, any card I have with an APR of 10% of higher is definitely PIF every month. One of the major reasons for the low-APR cards that do have balances has been multiple unexpected car repair bills (have had a few of those in recent months). I am aiming at paying down my existing balances as quickly as possible though in the future.
@galahad15 wrote:Sorry -- coming into the convo a lil late here, mostly bc of not having an opportunity to participate on the forum much recently, bc of ultra-long work hours at the office these days
...
Nice to see Galahad show up in this thread. It's a little like Michael Jordan strolling in to join a pickup basketball game. 
@Curious_George2 wrote:
@galahad15 wrote:Sorry -- coming into the convo a lil late here
Nice to see Galahad show up in this thread. It's a little like Michael Jordan strolling in to join a pickup basketball game.
+1 ... and it's @galahad15 with the ball, hard drive down the middle, fake right, he spins, he shoots .... he SCORES!
The My Fico crowd goes wild!!
@Saleen099 wrote:Nice!!! @CreditCuriosity
@FinStar 2mm years ago WOW
Thanks although think I rather be on the private jet with you .
I would love to have an APR under 6%, that's incredible!
@galahad15 I noticed you have a Ring but didn't list the APR. What is your APR on that one? It has to be under 10%.
Must garden until 2/1/2022 to hit my goal AAOA. 
I just got by far my lowest APR card in the mail yesterday - the FNBO Prime Visa. No rewards, just a stupid low APR equal to the prime rate. With that APR and a very useful $9400 CL, this can easily be the home improvement and tuition card.
@SecretAzure wrote:I would love to have an APR under 6%, that's incredible!
@galahad15 I noticed you have a Ring but didn't list the APR. What is your APR on that one? It has to be under 10%.
Ring APR is currently 8%
