What is your lowest and highest CC APR?

[Sharingan]

Lowest: Citi Double Cash (12.99%)

Highest: JCP MasterCard Platinum (26.99%) Not really sure why I still have this card... Their stores are almost as depressing to shop in as Sears's. 2nd credit card I got when I turned 18 several years ago.

[lg8302ch]

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@skorpyo3 wrote:

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@Man-Of-Steel wrote:

Lowest:  Capital One Venture - 12.9%

Highest: Discover it - 22.99%

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I just don't understand why you guys have such high APRs with great FICO scores. Is it utilization? Always thought APR was based mainly on FICO at time of app.

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@ Scores are only 1 part a lender looks at. The overall credit picture is more important. Risky behavior like a ton of apps even with high scores still might get you approved but then the terms could be less than ideal.  I think with a strong profile my app spree of 4 accounts could have taken it with Chase easily but I had only two accounts when I did my spree and this is risky behavior adding that many new accounts to a very thin profile. For any other lender than Chase there is ways to get the APR down later on. So that Discover @Anonymous,99% can be worked down every 6 months ...just not with Chase their terms remain for life of the card.. ha ha.. so I have my souvenir of my app spree and smile at the lovely 22,99% now.

[skorpyo3]

LOL! True that! Gotta love those $10 JCP Rewards and ridiculously low sale prices though! I don't see how they turn a profit. :/

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@Sharingan wrote:

Lowest: Citi Double Cash (12.99%)

Highest: JCP MasterCard Platinum (26.99%) Not really sure why I still have this card... Their stores are almost as depressing to shop in as Sears's. 2nd credit card I got when I turned 18 several years ago.

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[skorpyo3]

HAHA! Chase is a hard nut to crack!

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@lg8302ch wrote:

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@skorpyo3 wrote:

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@Man-Of-Steel wrote:

Lowest:  Capital One Venture - 12.9%

Highest: Discover it - 22.99%

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I just don't understand why you guys have such high APRs with great FICO scores. Is it utilization? Always thought APR was based mainly on FICO at time of app.

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@ Scores are only 1 part a lender looks at. The overall credit picture is more important. Risky behavior like a ton of apps even with high scores still might get you approved but then the terms could be less than ideal.  I think with a strong profile my app spree of 4 accounts could have taken it with Chase easily but I had only two accounts when I did my spree and this is risky behavior adding that many new accounts to a very thin profile. For any other lender than Chase there is ways to get the APR down later on. So that Discover @Anonymous,99% can be worked down every 6 months ...just not with Chase their terms remain for life of the card.. ha ha.. so I have my souvenir of my app spree and smile at the lovely 22,99% now.

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[lg8302ch]

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@skorpyo3 wrote:

HAHA! Chase is a hard nut to crack!

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So true .. and the good part is that it reminds me for life of my spree and keeps me from doing it again. Having this APR in front of my eyes will remind me to garden between cards and stay away from future sprees...lol

[skorpyo3]

That was the sole reason Chase declined me last month. My BK had no bearing! Maybe they were put here on earth to teach us a lesson! I felt like a young school boy being hit with a paddle. Not sure I'll want them in the future. Read that CLI and lowering APR are very difficult. I think AMEX would be more flexible. Just my honest opinion. 

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@lg8302ch wrote:

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@skorpyo3 wrote:

HAHA! Chase is a hard nut to crack!

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So true .. and the good part is that it reminds me for life of my spree and keeps me from doing it again. Having this APR in front of my eyes will remind me to garden between cards and stay away from future sprees...lol

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[JagerBombs89]

Lowest: 10.24%

Highest: 14.24%

[skorpyo3]

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@JagerBombs89 wrote:

Lowest: 10.24%

Highest: 14.24%

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Pretty good! I'd be happy with that!

[Kostya1992]

CITI & Barclays both at 13.99

[skorpyo3]

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@Kostya1992 wrote:

CITI & Barclays both at 13.99

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Nice!