What is the highest Credit Card APR you are seeing?

[davelj]

I hear you flu, but… after a 15-year period during which credit was clearly WAY under-priced across the board, should we complain about it when someone – particularly a bank that owes We the People a lot of money – starts to price in risk in earnest into their credit products? I agree that’s a high rate. But imagine how much better off we’d be right now if BofA and their ilk had starting charging rates north of 30% a decade ago.

[Coronita]

[quote=AN]My rates range from 7.25% to 15%, with most around 9-11%. 7.25% is actually from yours truly, Bank of America :-D. What have you been doing flu?[/quote]

I don’t know. Maybe I’ve been getting too many freebie’s and they are trying to get back at me….

I have two safe deposit boxes that are free, I have 2 checking accounts with no fee,1 savings account which has no fees. I pay off my credit card balances, and I have a cash back CC that pays me back for using it. I take advantage of BofA relationship with China Construction Bank to move money overseas when needed, and when I’m traveling there, I use CCB’s ATM’s without paying additional fees. Since my checking and savings account don’t have a min balance, I put the bare minimum in there ($5) and transfer routinely between online savings banks that pays higher interest when bills are due. I have a mortgage which I make regular payments the day before things are due, and even make additional principle payments. I use their cool ATMS which scans checks and prints a copy of them on the ATM statements regularly and when I do stop in the branch offices, I take their free doughnuts, starbucks coffee, and candy.

I guess they are trying to play “gotcha”

[Coronita]

[quote=AN]My rates range from 7.25% to 15%, with most around 9-11%. 7.25% is actually from yours truly, Bank of America :-D. What have you been doing flu?[/quote]

I don’t know. Maybe I’ve been getting too many freebie’s and they are trying to get back at me….

I have two safe deposit boxes that are free, I have 2 checking accounts with no fee,1 savings account which has no fees. I pay off my credit card balances, and I have a cash back CC that pays me back for using it. I take advantage of BofA relationship with China Construction Bank to move money overseas when needed, and when I’m traveling there, I use CCB’s ATM’s without paying additional fees. Since my checking and savings account don’t have a min balance, I put the bare minimum in there ($5) and transfer routinely between online savings banks that pays higher interest when bills are due. I have a mortgage which I make regular payments the day before things are due, and even make additional principle payments. I use their cool ATMS which scans checks and prints a copy of them on the ATM statements regularly and when I do stop in the branch offices, I take their free doughnuts, starbucks coffee, and candy.

I guess they are trying to play “gotcha”

[Coronita]

[quote=AN]My rates range from 7.25% to 15%, with most around 9-11%. 7.25% is actually from yours truly, Bank of America :-D. What have you been doing flu?[/quote]

I don’t know. Maybe I’ve been getting too many freebie’s and they are trying to get back at me….

I have two safe deposit boxes that are free, I have 2 checking accounts with no fee,1 savings account which has no fees. I pay off my credit card balances, and I have a cash back CC that pays me back for using it. I take advantage of BofA relationship with China Construction Bank to move money overseas when needed, and when I’m traveling there, I use CCB’s ATM’s without paying additional fees. Since my checking and savings account don’t have a min balance, I put the bare minimum in there ($5) and transfer routinely between online savings banks that pays higher interest when bills are due. I have a mortgage which I make regular payments the day before things are due, and even make additional principle payments. I use their cool ATMS which scans checks and prints a copy of them on the ATM statements regularly and when I do stop in the branch offices, I take their free doughnuts, starbucks coffee, and candy.

I guess they are trying to play “gotcha”

[Coronita]

[quote=AN]My rates range from 7.25% to 15%, with most around 9-11%. 7.25% is actually from yours truly, Bank of America :-D. What have you been doing flu?[/quote]

I don’t know. Maybe I’ve been getting too many freebie’s and they are trying to get back at me….

I have two safe deposit boxes that are free, I have 2 checking accounts with no fee,1 savings account which has no fees. I pay off my credit card balances, and I have a cash back CC that pays me back for using it. I take advantage of BofA relationship with China Construction Bank to move money overseas when needed, and when I’m traveling there, I use CCB’s ATM’s without paying additional fees. Since my checking and savings account don’t have a min balance, I put the bare minimum in there ($5) and transfer routinely between online savings banks that pays higher interest when bills are due. I have a mortgage which I make regular payments the day before things are due, and even make additional principle payments. I use their cool ATMS which scans checks and prints a copy of them on the ATM statements regularly and when I do stop in the branch offices, I take their free doughnuts, starbucks coffee, and candy.

I guess they are trying to play “gotcha”

[Coronita]

[quote=AN]My rates range from 7.25% to 15%, with most around 9-11%. 7.25% is actually from yours truly, Bank of America :-D. What have you been doing flu?[/quote]

I don’t know. Maybe I’ve been getting too many freebie’s and they are trying to get back at me….

I have two safe deposit boxes that are free, I have 2 checking accounts with no fee,1 savings account which has no fees. I pay off my credit card balances, and I have a cash back CC that pays me back for using it. I take advantage of BofA relationship with China Construction Bank to move money overseas when needed, and when I’m traveling there, I use CCB’s ATM’s without paying additional fees. Since my checking and savings account don’t have a min balance, I put the bare minimum in there ($5) and transfer routinely between online savings banks that pays higher interest when bills are due. I have a mortgage which I make regular payments the day before things are due, and even make additional principle payments. I use their cool ATMS which scans checks and prints a copy of them on the ATM statements regularly and when I do stop in the branch offices, I take their free doughnuts, starbucks coffee, and candy.

I guess they are trying to play “gotcha”

[Coronita]

[quote=davelj]I hear you flu, but… after a 15-year period during which credit was clearly WAY under-priced across the board, should we complain about it when someone – particularly a bank that owes We the People a lot of money – starts to price in risk in earnest into their credit products? I agree that’s a high rate. But imagine how much better off we’d be right now if BofA and their ilk had starting charging rates north of 30% a decade ago.[/quote]

Oh, I’m not complaining. I’m just curious what I did to get this incredible rate. I’m pretty sure my credit score is above 800. Maybe I should check again.

[Coronita]

[quote=davelj]I hear you flu, but… after a 15-year period during which credit was clearly WAY under-priced across the board, should we complain about it when someone – particularly a bank that owes We the People a lot of money – starts to price in risk in earnest into their credit products? I agree that’s a high rate. But imagine how much better off we’d be right now if BofA and their ilk had starting charging rates north of 30% a decade ago.[/quote]

Oh, I’m not complaining. I’m just curious what I did to get this incredible rate. I’m pretty sure my credit score is above 800. Maybe I should check again.

[Coronita]

[quote=davelj]I hear you flu, but… after a 15-year period during which credit was clearly WAY under-priced across the board, should we complain about it when someone – particularly a bank that owes We the People a lot of money – starts to price in risk in earnest into their credit products? I agree that’s a high rate. But imagine how much better off we’d be right now if BofA and their ilk had starting charging rates north of 30% a decade ago.[/quote]

Oh, I’m not complaining. I’m just curious what I did to get this incredible rate. I’m pretty sure my credit score is above 800. Maybe I should check again.

[Coronita]

[quote=davelj]I hear you flu, but… after a 15-year period during which credit was clearly WAY under-priced across the board, should we complain about it when someone – particularly a bank that owes We the People a lot of money – starts to price in risk in earnest into their credit products? I agree that’s a high rate. But imagine how much better off we’d be right now if BofA and their ilk had starting charging rates north of 30% a decade ago.[/quote]

Oh, I’m not complaining. I’m just curious what I did to get this incredible rate. I’m pretty sure my credit score is above 800. Maybe I should check again.

[Coronita]

[quote=davelj]I hear you flu, but… after a 15-year period during which credit was clearly WAY under-priced across the board, should we complain about it when someone – particularly a bank that owes We the People a lot of money – starts to price in risk in earnest into their credit products? I agree that’s a high rate. But imagine how much better off we’d be right now if BofA and their ilk had starting charging rates north of 30% a decade ago.[/quote]

Oh, I’m not complaining. I’m just curious what I did to get this incredible rate. I’m pretty sure my credit score is above 800. Maybe I should check again.

[mwtosd]

flu the real credit score people myfico.com is giving free credit score and monitoring for 1 month. Hope this helps you. You have provided lots of info on this forum! Thanks!

[mwtosd]

flu the real credit score people myfico.com is giving free credit score and monitoring for 1 month. Hope this helps you. You have provided lots of info on this forum! Thanks!

[mwtosd]

flu the real credit score people myfico.com is giving free credit score and monitoring for 1 month. Hope this helps you. You have provided lots of info on this forum! Thanks!

[mwtosd]

flu the real credit score people myfico.com is giving free credit score and monitoring for 1 month. Hope this helps you. You have provided lots of info on this forum! Thanks!

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