@zerbherb wrote:all my cards have there apr around 15-16 its the best they offer. But i want a high limit card with like 8-9% apr. what should i go for guys.
Work on the Discover and AMEX cards.
Use the Discover CLI SP feature to see about building up that limit. It may take a while, but with usage, it should see CLI regularly. Call to ask for an APR reduction, for purchase APR, and see what they say. The gave me a small reduction initially, then when I asked again in September 2015, they offered a 0% for a year on purchases. Also check Discover, see if you get any BT offers. Often they have two offers: one for 0% APR with a 3% fee, another for no fee, but a low APR. If you see any BT offers, use a small bit of that, just to keep them offering. If you don't see a BT offer on your account, call to ask whether they have a BT offer for you. Discover has moved away from sending paper mailers, it seems all their offers are on line on your account.
Use the AMEX CLI feature, to grow the ED limit. Call to see about reducing the purchase APR. The purchase APR may eventually get down to where you want it, but if the Discover CL increases, and you get the no-fee BT offers on Discover, you can charge the purchases on your AMEX or CSP, then no-fee-BT over to the Discover, and presto change-o, there's your low APR. And by low APR I mean 4.99%, beats 8% any day of the week.
