What's your lowest APR on a CC?

[DI]

I have know idea what my lowest rate is after the 0% ends later next year.   I pay my balances in full each month so am hardly concern about rates.  I only keep up with the rewards I accumalate. 

[smallfry]

Best rate Citi DP 6.75%

NFCU  10.9%  Once the BK clears next April they need to lower this

Penfed 12.24% something like that. Not at all happy with this rate

Chase  13.24% Lowest limit highest APR but they did give me a card after they were in my BK

[fused]

Amex Clear @ 8.24%, BUT I have been rate jacked. My new rate will be 10.24% effective 10/09.

[score_building]

best reg. purchase rate of the moment:

chase (former wamu) - 5.24

regional cu, hudson valley- 6.00

boa platinum plus- 6.24 

amex clear 7.75

i think all are 'variable' rate

[ocheosa]

8.24% - Citi Diamond Pref'd MC (life of loan 3.99%)                      

7.74% - Citi Platinum Select MC (0% 12mo intro - 9 more mos)

 9.24% - Chase Disney Visa (life of loan 3.99%)

10.24% - Chase Perfectcard MC (RJ was 9.24% - no complaints)  

7.99% - Discover (5.99% 6mo special rate) 

9.99% - JFCU Platinum Visa

 9.99% - US Bank CWA Plat Visa                                   

8.15% - US Bank FlexPerks Plat Visa (life of loan 2.99%)

Message Edited by ocheosa on 08-14-2009 11:33 AM

[Anonymous]

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@score_building wrote:

best reg. purchase rate of the moment:

chase (former wamu) - 5.24

regional cu, hudson valley- 6.00

boa platinum plus- 6.24 

amex clear 7.75

i think all are 'variable' rate

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Wow score_building!! ... I am definitely impressed. Congratulations!

[Anonymous]

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@fused wrote:
@Anonymous Clear @ 8.24%, BUT I have been rate jacked. My new rate will be 10.24% effective 10/09.

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That's a pretty humane RJ if both APR's are V. BofA "RJ'ed" me from 9.9%F to 9.9%V.

[Watchmann]

Lowest rate is AMEX Optima Platinum (Prime + 2.49%, currently 5.74%) with a CL of $37,900.  Had it since 1990, use it extensively but always PIF.

[plasticguy]

BOFA 5.90 Fixed since 2004

[MattH]

Well, my Chase $25K is still at 5.24% APR, though I would not be terribly surprised to get ratejacked by them, since everybody else has raised my rate lately despite a long and utterly clean history with all of them. At least nobody has lowered my limits yet; that would cost whoever does it some transactional business. Rates are merely an annoyance to me since I won't be paying them, but lower my limit and I will take my business elsewhere, even in this market my wife and I regularly get offers.