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Wards Credit - APR based on your state!

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Frequent Contributor

Wards Credit - APR based on your state!

At first glance of the terms, it looks like a standard APR range.

Good credit gets the better rate but no!

It's based on which state you live in! 

I've never seen anything as remotely crazy as this.

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Message 1 of 12
11 REPLIES 11
Valued Contributor

Re: Wards Credit - APR based on your state!

It is a confuzzled mess but I'm sure it has to do with state laws and limits on what they can charge. 

I've never seen one THAT broken down though.. Sheesh! 




Message 2 of 12
Valued Contributor

Re: Wards Credit - APR based on your state!

5.75%......too bad that isn't a Visa/Mastercard because I would be applying.

 FICO 8
Message 3 of 12
Super Contributor

Re: Wards Credit - APR based on your state!

21% in Colorado. 

 

Thats weird, I’ve never seen that before. 


01/2019:
10/2019:

Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 4 of 12
Established Contributor

Re: Wards Credit - APR based on your state!

Might sound crazy but I have seen charts of states with the highest defaults and foreclosures.  Maybe they are ahead of the game in analytics.

Message 5 of 12
Regular Contributor

Re: Wards Credit - APR based on your state!

Which state is 5.75% ? If I lived in that state I would open a Wards account. How fun! Talk about nostalgic! 

FICO 8 Avg.: 755 FICO 9 Avg.: 820 Total Rev CL: $398,000 BANK of AMERICA CHASE/CITIBANK/DISCOVER/USBANK/AMEX/NORDSTROM/ MACYS/BARCLAYS/FNBO/JCPENNY/SEARS/TARGET/CHEVRON/1ST UNITED CU/PATELCO CU/AAoA 15 years
Message 6 of 12
Super Contributor

Re: Wards Credit - APR based on your state!


@Dave4fun wrote:

Which state is 5.75% ? If I lived in that state I would open a Wards account. How fun! Talk about nostalgic! 


Looks like Arkansas. 


01/2019:
10/2019:

Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 7 of 12
Contributor

Re: Wards Credit - APR based on your state!

Wards, as in Montgomery Wards? They're still a thing?

Message 8 of 12
Frequent Contributor

Re: Wards Credit - APR based on your state!


@CCrew wrote:

Wards, as in Montgomery Wards? They're still a thing?


Wards is still a thing in the way that Sears will still be a thing after the stores eventually liquidate.

Someone bought the brand in an asset only purchase.

Message 9 of 12
Frequent Contributor

Re: Wards Credit - APR based on your state!

Wow! This is like pizza toppings!
Looks like they took big data and ran with it.
Amex BCE | Discover | Chase Freedom | Citibank DC | SYNCB | Barclay Rewards | BoA Cash Rewards | CapOne QS | Chase CSR | Chase FU | Amex Ascend | 2019 Goal: Gotta make it to 200k |
Message 10 of 12
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