What Credit Card Interest Rates Are You Guy Getting?

Discussion in 'Bad Dog Cafe' started by TC6969, Apr 13, 2019.

  1. TC6969

    TC6969 Friend of Leo's

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    I already have more than enough credit cards to get me by but I just saw an offer for a new Chase card that you have to be in the high end of the FICO just to get and the interest rate is,
    • Regular APR: 17.24% - 25.99%, variable.

    That looks a little up there to me!

    I have cards that give me rates that are WAY better than that, and I thought they were too high.

    My score is 820 and if that's the best I could get on a new card then there's something wrong!

    What are you guys getting?
     
  2. rangercaster

    rangercaster Poster Extraordinaire

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    If you pay on time the rate is zero ...
     
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  3. AlbertaGriff

    AlbertaGriff Tele-Afflicted

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    I think my card is around 20%.

    I say I think because I never carry a balance, and have never paid a cent interest on it.
     
  4. bluzkat

    bluzkat Tele-Holic

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    Got rid of mine several years ago, couldn't be happier. :D

    That rate seems a little high considering your credit score, plus its Chase. :eek:
     
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  5. Treadplatedual

    Treadplatedual Tele-Holic

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    16-18% is fairly typical. I have some down at 14 and some at 24.

    If you use the card correctly, you never pay interest, so it's a non-issue.
     
  6. jimilee

    jimilee Tele-Afflicted

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    0% for 18 mos, then, whatever balance is left after that will also find a 0% promotional rate.


    Sent from my iPhone using Tapatalk
     
  7. Papa Joe

    Papa Joe Friend of Leo's

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    What's a credit card ???
    Oh I remember now..That's those little pieces of plastic that were in my trash bin several years ago..
    If I ain't got the cash then I don't need it..
     
  8. Boubou

    Boubou Doctor of Teleocity Gold Supporter

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    I get 1.7% back on all my purchases
     
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  9. charlie chitlin

    charlie chitlin Doctor of Teleocity Silver Supporter

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    Only knee-breakers used to charge that much interest.
    I put EVERYTHING on a credit card, pay my full balance every month, then they owe ME money at the end of the year.
    Never use a debit card.
    If someone pirates it, they steal YOUR money.
    If they pirate a credit card, they steal somebody else's money.
    It can make a BIG difference.
    Starting with "Please help me get my money back," verses, "Uh, oh...you had better go get your money back!"
     
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  10. tery

    tery Poster Extraordinaire Silver Supporter

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    I pay zero interest . I pay in full when I receive the statement - No credit card balance ever .
     
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  11. TC6969

    TC6969 Friend of Leo's

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    OK.

    The ONE person who actually read my original post and responded accordingly told me what I needed to know.

    Feel free to jabber on fellas!
     
  12. 24 track

    24 track Doctor of Teleocity

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    when i moved up to kamloops I had 4 Visa's and a debt load of 40,000.00 on them, I tore up my cards and turfed them , paid it all off now I use my credit cards to scrape the mung off of the guitar fret boards when i clean them ,( as you can tell I no longer use credit cards ) by choice alone , my work wanted to ghive me a credit card for company expenses, I told them to shove it , same when they tried to get me to get a cell phone!- I dont need the greif .
     
  13. gitold

    gitold Friend of Leo's

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    I’ve had my Chase Visa slate card for 11 years. It has 8.9 percent interest because I asked for there best rate at the time I got the card when I was going through a divorce. I ran it up a bit untill we settled everything financially. I’ve paid it off every month for the last 10 years but I’ve stuck with them because I’ve had an issue or two with repair people and such trying to rip me off and they have always been on my side to the point of picking up a $400 plumbing repair that was a scam. My credit score is the same as yours. Call someone and talk to them. Maybe you’ll get a better deal.
     
  14. SacDAve

    SacDAve Poster Extraordinaire

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    I have the new IRS card........pay now or else:mad:
     
  15. EsquireOK

    EsquireOK Friend of Leo's

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    11 percent on one, 14 percent on the other (the one I have had much longer, actually). The 14 percent one gives 1 percent back, which can be used to pay down the balance, or received as a gift card. I try to keep these at the balance that is most beneficial to my credit rating; that is not usually 100 percent paid off, but more like 20–30 percent of the available balance. So I choose to pay some interest on those for the benefit of maximizing my credit rating, because I might be buying a house in the next 5 years. There is also a third one with a really high interest rate of 25 percent, that I use solely for Amazon purchases, because it effectively gives me 5 percent off there. I never carry even the slightest balance on that one. I only use it for the 5 percent off on Amazon purchases, and then I turn around and immediately transfer the amount I charged to the card from my checking account.
     
  16. DugT

    DugT Tele-Holic

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    There is what you wanted to know and there is what we think you need to know.

    I'd go hungry before I would accrue credit card interest.

    I think your credit score of 820 shows that you make payments on time so why do credit card interest rate matter to you? What should matter is the percentage you get refunded. I think the most you can get is about 2% and that is from Citicorp.
     
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  17. Milspec

    Milspec Friend of Leo's

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    AMEX only...pay off balance every month. It only costs me the annual fee.
     
  18. DaveTone

    DaveTone Tele-Meister

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    My wife's bills.

    Seriously, that is a ridiculous rate.
     
  19. bftfender

    bftfender Friend of Leo's

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    i would get another jtm45 & jtm50..no..jtm45/100 yeah is what getting i would get
     
  20. getbent

    getbent Telefied Ad Free Member

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    sign up for a free service like credit karma... the deals ARE based on your fico and they also do credit protection... the 'deal' isn't on interest rate though.... most will be 16 or higher regardless... but on miles and benefits....

    my last score was 849 which made me mad (it dropped!) but my cc has max benefits which is my fun money to buy stuff that I want...
     
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