Low interest rate credit cards

BORIStheBLADE · 04-07-2009, 06:58 PM

So B of A sent me a letter saying in May they are raising rates on my card 4%.

So my CC with be 12%. After they yanked my line of credit out from under my feet I feel like venturing out to find a CC that has maybe at the most the same rate I'm getting. I have excellent credit and dont have issues getting CC's.
I usually pay my bill in full and sometimes leave a couple of hundred on it but don't care for this crap.

Anyone seen any good rates lately? Not the one year 0% but indefinite?

thanks

chippewastud79 · 04-07-2009, 07:07 PM

Try a local credit union if you qualify, got a good rate on mine through one

Silound · 04-07-2009, 11:16 PM

Chase has some good cards, but honestly if you pay your bill the way you describe, the % shouldn't matter. I would be looking for cards that offer more for me, like useful rewards or cash back.

Chase, however, has some good ones that run something like 2.99% + prime, so you're looking at sub-7% interest, but no rewards.

BORIStheBLADE · 04-08-2009, 07:15 AM

Quote:

Originally Posted by chippewastud79

Try a local credit union if you qualify, got a good rate on mine through one

I'll check around my area when I get a chance.

Quote:

Originally Posted by Silound

Chase has some good cards, but honestly if you pay your bill the way you describe, the % shouldn't matter. I would be looking for cards that offer more for me, like useful rewards or cash back.

Chase, however, has some good ones that run something like 2.99% + prime, so you're looking at sub-7% interest, but no rewards.

Ya I agree, but if I need to spend some money on an emergency and I can't pay it all I don't want to pay an arm and a leg for leaving a balance. I'll check out chase.

BengalMan · 04-08-2009, 07:22 AM

American Express is the best bet if you pay it off every month.

okieRob · 04-08-2009, 07:36 AM

If you are looking to shop rates you might want to try http://www.bankrate.com

04-08-2009, 03:22 PM

Quote:

Originally Posted by okieRob

If you are looking to shop rates you might want to try http://www.bankrate.com

I now have one with chase because they bought wamu. They seem to be fee happy. I paid off my balance and left chase.

gettysburgfreak · 04-08-2009, 04:42 PM

I got the same letter from B of A. SOB'S!

G G · 04-08-2009, 04:44 PM

I don't have any, thank the Lord.

Scottw · 04-08-2009, 05:01 PM

I have AMEX and AMEX Blue, never had a problem.

04-07-2009, 06:58 PM	#1
BORIStheBLADE _ Join Date: Nov 2008 First Name: Mike Location: Santa Clara, CA Posts: 643 Trading: (4)	Low interest rate credit cards So B of A sent me a letter saying in May they are raising rates on my card 4%. So my CC with be 12%. After they yanked my line of credit out from under my feet I feel like venturing out to find a CC that has maybe at the most the same rate I'm getting. I have excellent credit and dont have issues getting CC's. I usually pay my bill in full and sometimes leave a couple of hundred on it but don't care for this crap. Anyone seen any good rates lately? Not the one year 0% but indefinite? thanks __________________ I.B.E.W LOCAL # 617

04-07-2009, 07:07 PM	#2
chippewastud79 Fatter than you! Join Date: Oct 2008 First Name: Larry Location: A little place called home. Posts: 5,397 Trading: (44)	Re: Low interest rate credit cards Try a local credit union if you qualify, got a good rate on mine through one __________________ If we weren't supposed to eat animals, then how come they're made of meat? You can never have too many cigars, they are like an investment in good times.

04-07-2009, 11:16 PM	#3
Silound ex-CS Swamp Gorilla Join Date: Nov 2008 Location: Somewhere in a swamp, south of sanity Posts: 802 Trading: (15)	Re: Low interest rate credit cards Chase has some good cards, but honestly if you pay your bill the way you describe, the % shouldn't matter. I would be looking for cards that offer more for me, like useful rewards or cash back. Chase, however, has some good ones that run something like 2.99% + prime, so you're looking at sub-7% interest, but no rewards. __________________ Back in black, and better than ever! You can't keep a good gorilla down! LSU Geaux Tigers!

04-08-2009, 07:22 AM	#5
BengalMan Have My Own Room Join Date: Oct 2008 First Name: Ian Location: Cincinnati, OH Posts: 1,280 Trading: (10)	Re: Low interest rate credit cards American Express is the best bet if you pay it off every month.

04-08-2009, 07:36 AM	#6
okieRob Still Watching My Back Join Date: Oct 2008 First Name: I'm not telling Location: The Land in the Middle Posts: 153 Trading: (6)	Re: Low interest rate credit cards If you are looking to shop rates you might want to try http://www.bankrate.com

04-08-2009, 04:42 PM	#8
gettysburgfreak Patriot Join Date: Oct 2008 Location: The Mitten Posts: 1,442 Trading: (2)	Re: Low interest rate credit cards I got the same letter from B of A. SOB'S! __________________ Author ofeath, Disease, and Life at War: The Civil War Letters of Surgeon James D. Benton, 111th and 98th New York Infantry Regiments, 1862-1865.

04-08-2009, 04:44 PM	#9
G G BR549 Join Date: Oct 2008 First Name: Greg Location: Taylor, FL. Posts: 12,730 Trading: (10)	Re: Low interest rate credit cards I don't have any, thank the Lord.

04-08-2009, 05:01 PM	#10
Scottw Going Commando Join Date: Oct 2008 First Name: Scott Location: Sussex, NJ Posts: 2,815 Trading: (6)	Re: Low interest rate credit cards I have AMEX and AMEX Blue, never had a problem. __________________ "Ray when someone asks you if your a GOD you say yes."