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From freecreditreport.com's website.
From freecreditreport.com's website.
What APR did you get? A lof of these issuers are giving healthy CLs to students, and raping them on the APR.
17.740% that doesn't sound bad to me. I don't have too much experience with CC's though...only had two
Wow. Annualcreditreport.com is easy to use and since I haven't checked out my credit in years it's fascinating. Now I know why I get so many credit card offers. There must be 100 requests by every credit card out there to check my credit.
17.740% is really terrible. There are plenty of 0% cards out there and before you get to those you should be able to pick up a sub 10% card out there. If anything, pay off your card every month so that they don't rape you on interest.
I believe its usually 0% for some amount of time...not forever...
Otherwise...there would be no reason to pay it off.
I'm quite happy with Capital One myself.
I called six months after my last raise and they gave me another no problem.
I called six months after my last raise and they gave me another no problem.
Right. It's an introductory offer. However you can balance transfer it to another 0% card. I had a 0% citicard and transfered the balance to a 0% discover card. The key is to find a card that doesn't charge you a fee or a percentage.
www.annualcreditreport.com
That is where you go to get your credit report that you are entitled to by US law.
That is where you go to get your credit report that you are entitled to by US law.
My 0% Capital One has a limit of $5k. My other cards are at around $4k, and $2k I believe. I'm a senior in college and have never bought/financed anything major..
DainBramaged
Lifer
- Jun 19, 2003
- 23,449
- 38
- 91
The Stigenator
Lifer
- Oct 9, 1999
- 15,218
- 3
- 81
i got a 9.9% apr captial one its my emergency card.. with only 300 or is it 500 in credit.. what good that does i dont know. Oh well i keep it. I havent bothered to raise the limit on that..
DainBramaged
Lifer
- Jun 19, 2003
- 23,449
- 38
- 91
Why do you want a high credit limit? More rope to hang yourself with.....
I am routinely turning down credit limit increases.
I have ~$50k limit between 3 cards, and all are < 10% APR. I still have my Capital One card from when I was 18 or so, and I keep it open only for the history. I think they still have me at 15%. They're worthless.
Mermaidman
Diamond Member
- Sep 4, 2003
- 7,987
- 93
- 91
DON'T "DUMP" IT. Just stop using it.
I wonder, though, if maxing the credit on a credit card, but also paying it on time, would trigger the CC issuer to raise the limit. Anyone know?
as long as you pay the balance, does it matter the apr? ill take 100% apr with 50k limit since i pay everything at the end of the month.
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