With today's high interest rates, just curious who on the forum has an APR lower than the Prime Rate

[galahad15]

With today's high go-to interest rates because of the multiple Fed rate increases, was just curious who here on the forum still have any cards with a go-to APR lower than the current Prime Rate of 8%?

Ime, I still have 4 cards left that are lower than the Prime Rate:  (1) P - 2.51%; (2) P - 1.01%; (3) P - 0.51%; and (4) P - 0.50%

[Drifter73]

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@galahad15 wrote:

With today's high go-to interest rates because of the multiple Fed rate increases, was just curious who here on the forum still have any cards with a go-to APR lower than the current Prime Rate of 8%?

Ime, I still have 4 cards left that are lower than the Prime Rate:  (1) P - 2.51%; (2) P - 1.01%; (3) P - 0.51%; and (4) P - 0.50%

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Must be nice to have locked in/grandfathered flat rates like that...

My lowest is 11% at the moment, which was recently raised from 8% due to the last fed hike.

[SeaProbe]

Sweet!

I recently closed a HELOC at prime + 0%, which was my best rate. My lowest CC is the grandfathered BofA CCR with prime + 5.4% (yes, plus not minus).

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@galahad15 wrote:

Ime, I still have 4 cards left that are lower than the Prime Rate:  (1) P - 2.51%; (2) P - 1.01%; (3) P - 0.51%; and (4) P - 0.50%

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Which banks are honoring those grandfathered rates for you?

[Creditwiser]

I "had" a 10% apr with Barclays until just recently when they rasied it to 14.25     Yep, good ole Barclays 

[Mero_mero]

I have a Wells Fargo card grandfathered in from an old product that locked the interest rate to Prime rate.  Looking at my last statement, it was 7.75% variable.  I've product changed it a few times and it's currently an Autograph.

[JR_TX]

DW's Disco which I'm an AU at a fixed rate of 6.99%

[markbeiser]

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@SeaProbe wrote:

Sweet!

I recently closed a HELOC at prime + 0%, which was my best rate. My lowest CC is the grandfathered BofA CCR with prime + 5.4% (yes, plus not minus).

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I got my HELOC at Prime + 0% recently too, I just wish the prime rate would quit going up!

[Guyatthebeach]

Galahad,

I have one that is grandfathered and fixed at 7.99% with a CU, with a credit line of $1000.  The next one is a permanently fixed and grandfathered at 8.99%.

Guyatthebeach

[gingerflower]

@Creditwiser 

Same here for the longest of time I had my Hawaiian Air Cc with Barclay's @ 10% it is now 14% good old Barclay's!

[Creditwiser]

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@gingerflower wrote:

@Creditwiser 

Same here for the longest of time I had my Hawaiian Air Cc with Barclay's @ 10% it is now 14% good old Barclay's!

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In an odd way I'm glad to learn its not just me they're picking on   But like i said, sock drawer and a tank of gas now and then.