Whats your lowest Credit Card APR%

[Special K]

Originally posted by: sdifox
don't care about apr on CC at all since I pay it off on time.

Same here.

 

[Brainonska511]

I think mine is 14%, but what do I care? It's not like I carry a balance.

 

[Cuda1447]

What does prime plus mean on credit cards? Sorry, Im a noob.

 

[bctbct]

Originally posted by: Cuda1447
What does prime plus mean on credit cards? Sorry, Im a noob.

"The prime rate is defined by The Wall Street Journal as "The base rate on corporate loans posted by at least 75% of the nation's 30 largest banks." The prime rate does not change at regular intervals."

currently 5%

 

[Engineer]

Other than the zero % that I have on 3 cards, I don't know and don't care.

 

[yhelothar]

I have 6.75% or prime+1.75 on my amex blue cash card.
I just called in and asked to have my interest percentage lowered. It was somewhere around 14-17% then.
They lowered it to 11% or something, and I just asked if they can lower it more, and they did.
I was quite surprised.

I always paid off my balance in full before getting this card. But I had to make a large purchase for a car after I wrecked my last one in an accident, so it did really come in handy in emergencies.
I have about a $3000 balance on it now. My monthly interest is only $15. I don't mind paying that to be able to have my car.

 

[dionx]

Right now, my lowest cards are my Merrill+ Visa and Charles Schwab Visa. They are at Prime + 1.9% = 6.9%

In terms of fixed rate, I've got an Amex Blue with 7.99 fixed, and Navy Federal Visa with 7.9% fixed.

 

[HombrePequeno]

I'm pretty sure mine is something retardedly high like 16-17%. I don't really care though because I never carry over a balance.

 

[thomsbrain]

I have a card with a non-promotional rate of 6%. It is from a credit union.

 

[Gothgar]

In before typical ATOT post of how no one ever pays interest on their CC's and they pay them in full every month.... oh wait, beat by every other post before me

 

[Acanthus]

12.9% PNC Bank Visa

 

[Nitemare]

9.75%, it's always been like that

 

[Engineer]

Originally posted by: Itchrelief
How many of you with low APR are actually carrying a balance?

$40,000 - All zero %.

 

[LS21]

all are fixed nominal (non-introductory)
13.99% - Amex TrueEarnings Biz
9.99% - Amex Blue Sky
9.99% - BOA something or other
9.24% - Amex Blue
8.99% - Chase Freedom
8.90% - Cap1 No Hassle
5.00% - Citi Div Platinum <-- had it for 5 years ? used as primary card for 3 years but only back up now

 

[LS21]

Originally posted by: Itchrelief
How many of you with low APR are actually carrying a balance?

1500$ on BOA card, used to transfer college loan at 1-year 0% term which is due in August

 

[LS8]

0% MasterCard

No tricks, the offer came in the mail. I called them CC co. and setup the account.

I haven't used the card in over a year.

 

[LS21]

Originally posted by: LS8
0% MasterCard

No tricks, the offer came in the mail. I called them CC co. and setup the account.

I haven't used the card in over a year.

HELLO BROTHER

 

[LS8]

Originally posted by: LS21

Originally posted by: LS8
0% MasterCard

No tricks, the offer came in the mail. I called them CC co. and setup the account.

I haven't used the card in over a year.

HELLO BROTHER

Whia hello thar!

 

[Itchrelief]

So, excluding the 0% guys, which I would assume are probably temporary rates, it still seems you can carry a balance and not have the issuer jack up the rates. I always viewed the situation fairly pessimistically, but I guess I was wrong.

 

[Zee]

5.99% on both cards. i asked, and they gave it to me

 

[OpenThirdEye]

0%... I've been able to play the 0% game with those balance transfer specials for about the last 2 years.

 

[zoiks]

Originally posted by: darkxshade
I don't give a shit what mine is because I always pay it off each month and I won't even bother trying to get it low unless I can get it to like ~5% permanently.

Exactly. I solely use my cc for rewards.

 

[alphatarget1]

0% because I pay everything off within the grace period

 

[clamum]

I have three credit cards (Visa, MasterCard, American Express) and I actually have no idea what the APR is on any of them. I always pay them off in full when the bill comes, though.

 

[JohnCU]

13.9%