What APR would I qualify for with my credit score?

[Anonymous]

I recently had an issue with my credit report and got it fixed and as a reflection of that my credit score as of Dec.15, 2009 was 674...What APRs would I qualify for? My current credit card has an interest rate of 16.99% which is KILLING me.  I'm looking for a different credit card to transfer for to, but wanna make sure I am helping myself and not hurting it, by requesting a credit check.  Can someone please help me?

[DI]

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@Anonymous wrote:
I recently had an issue with my credit report and got it fixed and as a reflection of that my credit score as of Dec.15, 2009 was 674...What APRs would I qualify for? My current credit card has an interest rate of 16.99% which is KILLING me.  I'm looking for a different credit card to transfer for to, but wanna make sure I am helping myself and not hurting it, by requesting a credit check.  Can someone please help me?

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Depending  on what card you're applying for and if you get approved,  you still may not get anything better than the 16.99% with your 674 score.  

Have you called the bank to ask about lowering your APR on the card?  Make that call only if you're in good standing with all your accounts.  

[fused]

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CreditQs wrote:
I recently had an issue with my credit report and got it fixed and as a reflection of that my credit score as of Dec.15, 2009 was 674...What APRs would I qualify for? My current credit card has an interest rate of 16.99% which is KILLING me.  I'm looking for a different credit card to transfer for to, but wanna make sure I am helping myself and not hurting it, by requesting a credit check.  Can someone please help me?

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Your score of 674, is it a FICO score? Did you buy your score at this site?

[Anonymous]

I purchased it from either Equifax or another Credit Agency....Is it not correct?  Is their score different then FICO?

[fused]

If you bought your EQ score here or at EQ's website, its a real FICO score, anywhere else and its not a FICO EQ score.

[Anonymous]

Truthfully,, 17% really isn't that bad these days if you had some baddies on your credit reports,,, 

The best credit card offers I'm tracking are for US Bank issued affinity cards,,  They offer several but I've linked two that people posted they recently received,, the Children's Wish Foundation International,, and the PBR Visa Credit Card,,

They are offering 0% for 12-months and no BT fee for a BT performed as part of the application,,  

https://applications.usbank.com/oad/begin?locationCode=9517&sourceCode=76024&preparerType=customer

https://applications.usbank.com/oad/begin?locationCode=9526&sourceCode=76024&preparerType=customer

You need to ensure you get offer code 76024 for the 0% for 12mo as they also offer a 0% for 6-mo..

I do not know whether or what you would be approved for, US Bank is rather conservative,,

[Anonymous]

with everything that is happening now days you actually are in a pretty good shape, you don't have the best score, nor the worst, but I am around you in score wise, rates are jacking up and way over 20% I would stick with what you got, try not charging as much or PIF if you can, request a decrease doubt it will happen but its worth a shot, I wouldn't try applying for more than two cards though.. balance transfers might get you 0% for six months but if you can't pay it off by than they can go as high as 30% after, plus most charge 3% to do it, so make sure you look into it before you actually do it, and see if you will save enough to make anything happen, if not ride it out.