Credit Cards
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If so, is there a way out of it? I do not even you use this card anymore I was just paying on it to pay it off. So I really do not want to put anymore money into this debt then I already have.
I pay my credit cards on time, never carry a balance, and i got a notice from one of them that they are increasing my APR. The only reason I can figure is it is a new card that I've had less than 2 years. With the economy being the way it is, they don't want people getting into more debt that they will not be able to handle. It cheeses me that they are doing this, but since I pay off my balances anyway it won't effect me. If I did need to carry a balance though, I would not use that card.
. www.brukcreditcards.com Credit Card Applications - Apply online for credit card at Credit ... Browse through the best credit card applications ...
I have around 5,000 on two cards each one at 3.9 and one at 4.9%. I have one more card with 5000 at 10%. I would like to get that at a low fixed rate. What is the best way to ask for that on the other two cards without paying transfer fees.
What is the best and how to ask for the lowest rate without transfer fee.
Call the issuers of the cards with the low fees and ask them if they can give you a no-fee balance transfer.
You can find a complete list of low interest credit cards here:
http://www.asapcreditcard.com/low-intere st.html
Although you'll find several fixed rate offers (F), most credit cards are variable rate (V) these days. Keep in mind, just because a credit card is considered "fixed rate"-- doesn't mean the credit card company can't (or won't) raise your APR. The only requirement is that the issuer informs you before they raise the rate. You can find more info here:
http://www.asapcreditcard.com/articles/v ariable-vs-fixed.html
Hope this helps. GOOD LUCK!
I have a personal loan for $6,500 @ 12.99 and I know there are much better fixed rates out there. I figured a credit card was my best option. Can't find anything reliable on google or yahoo search engines.
The only way to "transfer" a personal loan onto a credit card is to take a cash advance on the card. Not likely that you'll beat your current rate.
Unfortunately YES :(
Credit card companies are notorious for being able to suck every penny out of you and one way they do that is in the terms of service agreement. I know it's not any fun to do but you have to read every piece of literature that the company sends you and you have to do it every month. They even have the right to change the terms of services when the original "fine print" says that they can do so. One credit card company I have used had what appeared to be a flawless agreement and after reading the terms of service I was convinced that they could not change my interest rate because the only way to do that was if I made a late payment. Then about 3 months in, they sent me a statement/bill and I paid it as usual through my online bill pay, but they had changed the address where I was supposed to send the payment and it made it late so guess what. That is why not only should you read EVERYTHING they send you but read it EVERY TIME!
Credit Card Co Offers Fixed-Rate to Lure Consumers; Is This a Good ...
This October, Bank of America rolled out its “Basic” card, which establishes for the life of the card one interest rate for all purchases, transactions and cash advances.
“For those consumers who just want the basics, our goal is to offer products with features that are predictable, easy to understand and help them manage their finances responsibly,” says Ric Struthers, president of Bank of America Global Card Services.
Other features of the card are:
• One interest rate — U.S. Prime plus a margin of 14 percent — that never changes for the life of the account. Rate increases and decreases will only occur if the Prime Rate changes. • One flat fee of $39 for late payments
...News
National credit card rate averagesBankrate.com - Oct 22, 2009
The mean fixed rate for standard cards has kept to 13.46 percent since June. A majority of consumers want the implementation date for most of the Credit and more »Credit Union Times - Oct 21, 2009
“Does the additional spending indicate a sudden need for credit, which might be better addressed with a fixed-rate loan?” he asked. and more »Seeking Alpha (blog) - Oct 22, 2009
This includes, completing $1 billion of TALF deal where we locked down long term fixed rate money to enhance our long term visibility while effectively Alliance Data says 3rd-qtr profit fell 29 pct as sales declined; Canadian all 105 news articles »The Coloradoan - Oct 15, 2009
CardSmart.co.ukCapital One won't raise ratesMarkey has received an increasing number of complaints from constituents regarding some credit card companies' sudden rate hikes. Lawsuit Targets Major Credit Card Lender Over Alleged Excessive ChargesDavid Konrad – Keefe, Bruyette & Woodsall 168 news articles »
Red Bluff Daily News - Oct 06, 2009
In recent months, card issuers have rebelled against this law by switching consumers from fixed-rate to variable-rate cards. Loophole 4: Finally, there is a and more »Bills.com - Oct 14, 2009
Credit.com News"Your best move is to use your credit cards but pay off your balance every month, on time. Think of it as an extension of your checking account rather than Taking a credit card-what to consider firstall 186 news articles »
Bankrate.com - Oct 08, 2009
The average purchase APR for variable-rate credit card offers rose 5 basis points to 11.42 percent, after five weeks at 11.37 percent. The average fixed Some things to consider before you refinanceThe Truth About Mortgage Refinancing Revealed By Michigan Mortgage Expertall 349 news articles »