From the sounds of it, a lot of you have much better interest rates, even with recent bk's etc... In my credit history, I have 5 late pays (3x30 days, 1x60day, 1x90day), only 1 (30 day) is within the last 12 months (June) I have no inquiries w/in 6 months, and no other derog. info. Total credit history is something like 5 yrs. My scores however, suck. Ex 629, EFQ 585 My current rates are as follows: Discover: CL-$3500, APR 17.24%, no annual fee FirstUSA: CL-$1000, APR 17.9%, no annual fee Cap1: CL-$700, APR 15.00%, $36 annual fee CITGO gas card: CL-$300, 19.5 annual fee Bank1 credit line: CL-$500, APR 13% With my current scores, should I expect better interest rates on my credit cards?? What kind of scores do the rest of you with high 500s-low 600s have?
DH's cards: MBNA %14.99 (no annual fee, CL $25,000) AmEx Plat %9.9 (annual fee and a hefty one, no pre-set spending limit) AmEx Optima %9.9 (no annual fee, CL $9000) BofA Plat %9.9 (no annual fee, CL $11,000) NFCU Visa Classic %12 (no annual fee CL $7000) Chase %22.99 (no annual fee, CL $7000) AT&T Univ (Citi) %10.99 (no annual fee, CL $13,500) DH's scores in signature line. PawMix
well until you learn to pay on time, you are extremely high risk. You cannot expect someone that can't pay for a 1 year straight on time, be get super prime rates, because most of the population with prime cards pay their bills on time. not meaning to dis you, just putting out the truth. A friend of mine was denied amex blue due to 1 late payment in 99 Paying late hurts, and for years. Try to get goodwill or dispute them, then you might get better cards. And yeah any card over 9.9% is a total rip. even my mbna elite rewards is $0 annual and 9.9%
