amex with lowest apr?

[johnpalley]

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@Anonymous wrote:

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@johnpalley wrote:

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@14Fiesta wrote:

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@johnpalley wrote:

yeah thats garbage. it is what it is though thanks

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I mean, why do you NEED an AMEX? If you need a low APR to carry a balance, try a CU card with no rewards. Even the Barclay Ring has a guaranteed 8% APR if you get approved.

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im not able to provide proof of income so cu's are out of the question at this point. barclay ring is on my list thats my dream card. i want 1 card with each major company

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I'm seeing more of this and I don't get it.  Yes, you need some issuer diversity, but once you have enough of that (and that can be major and minor issuers, and 3-4 is enough IMO), get cards that make sense for you.  Here you are trying to choose an Amex just to get an Amex, and finding that there isn't a good match.  Until there is, don't bother about Amex!

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if they we're stingy with limits i wouldnt be lookin into them. there supposed to have real high limits so its kind of a give and a take paying a little higher interest. every person is different in what they want from cards. my plan is to get 5 cards total. bofa, chase, amex, citi, and barclay

[trumpet-205]

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@johnpalley wrote:

im not able to provide proof of income so cu's are out of the question at this point. barclay ring is on my list thats my dream card.

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If you don't have proof of income, then you shouldn't apply for a credit card in the first place. Last thing you want from a credit card issuer is to accuse you of perjury, which is a federal felony.

[trumpet-205]

Edit: Double post.

[johnpalley]

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@trumpet-205 wrote:

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@johnpalley wrote:

im not able to provide proof of income so cu's are out of the question at this point. barclay ring is on my list thats my dream card.

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If you don't have proof of income, then you shouldn't apply for a credit card in the first place. Last thing you want from a credit card issuer is to accuse you of perjury, which is a federal felony.

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ok dad lol. thread finished.. thanks to everyone that helped me

[FinStar]

Well, SNAP!

[14Fiesta]

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@trumpet-205 wrote:

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@johnpalley wrote:

im not able to provide proof of income so cu's are out of the question at this point. barclay ring is on my list thats my dream card.

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If you don't have proof of income, then you shouldn't apply for a credit card in the first place. Last thing you want from a credit card issuer is to accuse you of perjury, which is a federal felony.

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+1 Especially with AMEX, if you want to carry an infinite balance with them, then be prepared for an FR, which is a fancy way of saying they need PROOF OF INCOME. 

I don't care why you don't have proof and I don't want to know why. And as you requested I will leave this thread as it is.

BUT DON'T EVER SAY WE DIDN'T WARN YOU.

[Involver]

Everybody wants advice unless it's something they don't want to hear.

[Anonymous]

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@Involver wrote:

Everybody wants advice unless it's something they don't want to hear.

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+1 to that. 

Amex is notorious for hating balances and doing FR's if they feel it's necessary. 

[cottoncrown]

Blue Cash Everyday can be 12.99 and then further reduced to 9.99 after a couple months and you call in. You can carry balances with Amex. You don't need proof of income.

[SunriseEarth]

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@Anonymous wrote:

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@johnpalley wrote:

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@14Fiesta wrote:

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@johnpalley wrote:

yeah thats garbage. it is what it is though thanks

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I mean, why do you NEED an AMEX? If you need a low APR to carry a balance, try a CU card with no rewards. Even the Barclay Ring has a guaranteed 8% APR if you get approved.

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im not able to provide proof of income so cu's are out of the question at this point. barclay ring is on my list thats my dream card. i want 1 card with each major company

---

I'm seeing more of this and I don't get it.  Yes, you need some issuer diversity, but once you have enough of that (and that can be major and minor issuers, and 3-4 is enough IMO), get cards that make sense for you.  Here you are trying to choose an Amex just to get an Amex, and finding that there isn't a good match.  Until there is, don't bother about Amex!

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The OP could benefit by setting his MSD to this year, even if AMEX doesn't currently meet his needs.   If that's the case, he should either stick with a revolver with no AF or a change card that he could close out before the AF hits (although it sounds like he doesn't want that).