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    • February 21, 2008 at 4:19 PM #11885
      GoUSC
      Participant

      I keep hearing about CC rates going through the roof. I don’t know about you but for those of us with good credit and no balances our rates are going way down. In the past two months my CC rate (Chase) for purchases has gone from 9.99% to 7.99% (not that it appears to me). Anyone else experiencing the same?

    • February 21, 2008 at 4:19 PM #157237
      GoUSC
      Participant

      Should say (not that is matters to me).

    • February 21, 2008 at 4:19 PM #157528
      GoUSC
      Participant

      Should say (not that is matters to me).

    • February 21, 2008 at 4:19 PM #157542
      GoUSC
      Participant

      Should say (not that is matters to me).

    • February 21, 2008 at 4:19 PM #157550
      GoUSC
      Participant

      Should say (not that is matters to me).

    • February 21, 2008 at 4:19 PM #157622
      GoUSC
      Participant

      Should say (not that is matters to me).

    • February 21, 2008 at 4:32 PM #157257
      DWCAP
      Participant

      I just noticed last night that my rate fell by 1.5%. Maybe those rate cuts by the FED last month working?

    • February 21, 2008 at 4:32 PM #157547
      DWCAP
      Participant

      I just noticed last night that my rate fell by 1.5%. Maybe those rate cuts by the FED last month working?

    • February 21, 2008 at 4:32 PM #157562
      DWCAP
      Participant

      I just noticed last night that my rate fell by 1.5%. Maybe those rate cuts by the FED last month working?

    • February 21, 2008 at 4:32 PM #157570
      DWCAP
      Participant

      I just noticed last night that my rate fell by 1.5%. Maybe those rate cuts by the FED last month working?

    • February 21, 2008 at 4:32 PM #157642
      DWCAP
      Participant

      I just noticed last night that my rate fell by 1.5%. Maybe those rate cuts by the FED last month working?

    • February 21, 2008 at 4:52 PM #157282
      barnaby33
      Participant

      Might went from 14 to 18 but I have a citibank AA miles card.

      Josh

      • February 21, 2008 at 5:05 PM #157287
        CMcG
        Participant

        Mine hasn’t changed (still high), which surprises me because I’m with the dreaded Capital One. I intend to change as soon as I have time to go through the mountain of cc offers I keep receiving.

      • February 21, 2008 at 5:05 PM #157578
        CMcG
        Participant

        Mine hasn’t changed (still high), which surprises me because I’m with the dreaded Capital One. I intend to change as soon as I have time to go through the mountain of cc offers I keep receiving.

      • February 21, 2008 at 5:05 PM #157593
        CMcG
        Participant

        Mine hasn’t changed (still high), which surprises me because I’m with the dreaded Capital One. I intend to change as soon as I have time to go through the mountain of cc offers I keep receiving.

      • February 21, 2008 at 5:05 PM #157600
        CMcG
        Participant

        Mine hasn’t changed (still high), which surprises me because I’m with the dreaded Capital One. I intend to change as soon as I have time to go through the mountain of cc offers I keep receiving.

      • February 21, 2008 at 5:05 PM #157672
        CMcG
        Participant

        Mine hasn’t changed (still high), which surprises me because I’m with the dreaded Capital One. I intend to change as soon as I have time to go through the mountain of cc offers I keep receiving.

    • February 21, 2008 at 4:52 PM #157572
      barnaby33
      Participant

      Might went from 14 to 18 but I have a citibank AA miles card.

      Josh

    • February 21, 2008 at 4:52 PM #157588
      barnaby33
      Participant

      Might went from 14 to 18 but I have a citibank AA miles card.

      Josh

    • February 21, 2008 at 4:52 PM #157595
      barnaby33
      Participant

      Might went from 14 to 18 but I have a citibank AA miles card.

      Josh

    • February 21, 2008 at 4:52 PM #157667
      barnaby33
      Participant

      Might went from 14 to 18 but I have a citibank AA miles card.

      Josh

    • February 21, 2008 at 9:26 PM #157375
      cr
      Participant

      I pay mine off every month so I don’t care what the rate is, but I’m starting to get more offers again.

      If I keep getting them I’ll start returning them with “REMOVE” on the app and send it back in their prepaid envelope.

      One today was fixed at 9.9%. Apparently that was supposed to entice me not to rip it up. It didn’t.

      • February 21, 2008 at 9:43 PM #157395
        Doofrat
        Participant

        I don’t carry a balance, but between Nov 06′ and now it’s gone down just over 2%.

        On a side note, I recently found out how to submit a fraud alert online to all three agencies with a short online form. It didn’t work the first day I tried it (because it’s new), but it was successfully submitted the next. You have to resubmit every 90 days:

        https://www.alerts.equifax.com/AutoFraud_Online/jsp/fraudAlert.jsp

      • February 21, 2008 at 9:43 PM #157686
        Doofrat
        Participant

        I don’t carry a balance, but between Nov 06′ and now it’s gone down just over 2%.

        On a side note, I recently found out how to submit a fraud alert online to all three agencies with a short online form. It didn’t work the first day I tried it (because it’s new), but it was successfully submitted the next. You have to resubmit every 90 days:

        https://www.alerts.equifax.com/AutoFraud_Online/jsp/fraudAlert.jsp

      • February 21, 2008 at 9:43 PM #157700
        Doofrat
        Participant

        I don’t carry a balance, but between Nov 06′ and now it’s gone down just over 2%.

        On a side note, I recently found out how to submit a fraud alert online to all three agencies with a short online form. It didn’t work the first day I tried it (because it’s new), but it was successfully submitted the next. You have to resubmit every 90 days:

        https://www.alerts.equifax.com/AutoFraud_Online/jsp/fraudAlert.jsp

      • February 21, 2008 at 9:43 PM #157709
        Doofrat
        Participant

        I don’t carry a balance, but between Nov 06′ and now it’s gone down just over 2%.

        On a side note, I recently found out how to submit a fraud alert online to all three agencies with a short online form. It didn’t work the first day I tried it (because it’s new), but it was successfully submitted the next. You have to resubmit every 90 days:

        https://www.alerts.equifax.com/AutoFraud_Online/jsp/fraudAlert.jsp

      • February 21, 2008 at 9:43 PM #157781
        Doofrat
        Participant

        I don’t carry a balance, but between Nov 06′ and now it’s gone down just over 2%.

        On a side note, I recently found out how to submit a fraud alert online to all three agencies with a short online form. It didn’t work the first day I tried it (because it’s new), but it was successfully submitted the next. You have to resubmit every 90 days:

        https://www.alerts.equifax.com/AutoFraud_Online/jsp/fraudAlert.jsp

    • February 21, 2008 at 9:26 PM #157666
      cr
      Participant

      I pay mine off every month so I don’t care what the rate is, but I’m starting to get more offers again.

      If I keep getting them I’ll start returning them with “REMOVE” on the app and send it back in their prepaid envelope.

      One today was fixed at 9.9%. Apparently that was supposed to entice me not to rip it up. It didn’t.

    • February 21, 2008 at 9:26 PM #157680
      cr
      Participant

      I pay mine off every month so I don’t care what the rate is, but I’m starting to get more offers again.

      If I keep getting them I’ll start returning them with “REMOVE” on the app and send it back in their prepaid envelope.

      One today was fixed at 9.9%. Apparently that was supposed to entice me not to rip it up. It didn’t.

    • February 21, 2008 at 9:26 PM #157688
      cr
      Participant

      I pay mine off every month so I don’t care what the rate is, but I’m starting to get more offers again.

      If I keep getting them I’ll start returning them with “REMOVE” on the app and send it back in their prepaid envelope.

      One today was fixed at 9.9%. Apparently that was supposed to entice me not to rip it up. It didn’t.

    • February 21, 2008 at 9:26 PM #157761
      cr
      Participant

      I pay mine off every month so I don’t care what the rate is, but I’m starting to get more offers again.

      If I keep getting them I’ll start returning them with “REMOVE” on the app and send it back in their prepaid envelope.

      One today was fixed at 9.9%. Apparently that was supposed to entice me not to rip it up. It didn’t.

    • February 22, 2008 at 11:41 AM #157694
      Raybyrnes
      Participant

      radelow

      Typically credit card companies work off of an average credit score for their entire portfolio. Theirfore they offer teaser and low rates to strong credit candidates which produce little profit or potentially a loss on this upper tier but what it allows them to do is offer middle and lower tier people offers that will be far more profitable.

      With respect to the rates they are derived off of some financial index. If the index goes down your rate will go down. If you are paying your bill in full each month it should not matter.

      What I am seeing in the Credit card market is that they are reducing their benefit option. A year ago you could transfer account with good credit and their wer no tranfer fees. Now, most card companies are charging 3%. Better offers are 0 percent for a year and max transfer fee of 50 or 75$.

      For those who are looking for a credit card they best deal that I have rfound for purchases is American Express Blue. O% on PURCHASES for 15 months. No brainer to put all purchases on this credit card and stick you money in an interest bearing account. At the 14 month mark you pay the balance in full and pocket the interest earned on the account.

    • February 22, 2008 at 11:41 AM #157983
      Raybyrnes
      Participant

      radelow

      Typically credit card companies work off of an average credit score for their entire portfolio. Theirfore they offer teaser and low rates to strong credit candidates which produce little profit or potentially a loss on this upper tier but what it allows them to do is offer middle and lower tier people offers that will be far more profitable.

      With respect to the rates they are derived off of some financial index. If the index goes down your rate will go down. If you are paying your bill in full each month it should not matter.

      What I am seeing in the Credit card market is that they are reducing their benefit option. A year ago you could transfer account with good credit and their wer no tranfer fees. Now, most card companies are charging 3%. Better offers are 0 percent for a year and max transfer fee of 50 or 75$.

      For those who are looking for a credit card they best deal that I have rfound for purchases is American Express Blue. O% on PURCHASES for 15 months. No brainer to put all purchases on this credit card and stick you money in an interest bearing account. At the 14 month mark you pay the balance in full and pocket the interest earned on the account.

    • February 22, 2008 at 11:41 AM #157995
      Raybyrnes
      Participant

      radelow

      Typically credit card companies work off of an average credit score for their entire portfolio. Theirfore they offer teaser and low rates to strong credit candidates which produce little profit or potentially a loss on this upper tier but what it allows them to do is offer middle and lower tier people offers that will be far more profitable.

      With respect to the rates they are derived off of some financial index. If the index goes down your rate will go down. If you are paying your bill in full each month it should not matter.

      What I am seeing in the Credit card market is that they are reducing their benefit option. A year ago you could transfer account with good credit and their wer no tranfer fees. Now, most card companies are charging 3%. Better offers are 0 percent for a year and max transfer fee of 50 or 75$.

      For those who are looking for a credit card they best deal that I have rfound for purchases is American Express Blue. O% on PURCHASES for 15 months. No brainer to put all purchases on this credit card and stick you money in an interest bearing account. At the 14 month mark you pay the balance in full and pocket the interest earned on the account.

    • February 22, 2008 at 11:41 AM #158002
      Raybyrnes
      Participant

      radelow

      Typically credit card companies work off of an average credit score for their entire portfolio. Theirfore they offer teaser and low rates to strong credit candidates which produce little profit or potentially a loss on this upper tier but what it allows them to do is offer middle and lower tier people offers that will be far more profitable.

      With respect to the rates they are derived off of some financial index. If the index goes down your rate will go down. If you are paying your bill in full each month it should not matter.

      What I am seeing in the Credit card market is that they are reducing their benefit option. A year ago you could transfer account with good credit and their wer no tranfer fees. Now, most card companies are charging 3%. Better offers are 0 percent for a year and max transfer fee of 50 or 75$.

      For those who are looking for a credit card they best deal that I have rfound for purchases is American Express Blue. O% on PURCHASES for 15 months. No brainer to put all purchases on this credit card and stick you money in an interest bearing account. At the 14 month mark you pay the balance in full and pocket the interest earned on the account.

    • February 22, 2008 at 11:41 AM #158076
      Raybyrnes
      Participant

      radelow

      Typically credit card companies work off of an average credit score for their entire portfolio. Theirfore they offer teaser and low rates to strong credit candidates which produce little profit or potentially a loss on this upper tier but what it allows them to do is offer middle and lower tier people offers that will be far more profitable.

      With respect to the rates they are derived off of some financial index. If the index goes down your rate will go down. If you are paying your bill in full each month it should not matter.

      What I am seeing in the Credit card market is that they are reducing their benefit option. A year ago you could transfer account with good credit and their wer no tranfer fees. Now, most card companies are charging 3%. Better offers are 0 percent for a year and max transfer fee of 50 or 75$.

      For those who are looking for a credit card they best deal that I have rfound for purchases is American Express Blue. O% on PURCHASES for 15 months. No brainer to put all purchases on this credit card and stick you money in an interest bearing account. At the 14 month mark you pay the balance in full and pocket the interest earned on the account.

    • February 22, 2008 at 11:53 AM #157698
      Raybyrnes
      Participant

      edit

    • February 22, 2008 at 11:53 AM #157988
      Raybyrnes
      Participant

      edit

    • February 22, 2008 at 11:53 AM #158000
      Raybyrnes
      Participant

      edit

    • February 22, 2008 at 11:53 AM #158007
      Raybyrnes
      Participant

      edit

    • February 22, 2008 at 11:53 AM #158081
      Raybyrnes
      Participant

      edit

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