My girlfriend got a pre-approved Cap One Gold offer in the mail yesterday. How good is this card? They are offering a 13.9%APR for the 1st six months then 19.9 I think. Kenny
thats the low end offers they have been giving. don't be suprised if she has little credit to get the $250 card limit, or ok credit $500 limit.
I agree with the other comments. However, last year I got a $3,000, no annual fee, 20.5% Capital one card after 20 months with a $1,000, $29 annual fee, classic card. Look at the ad carefully. Providian gave me the same deal a few months later but the interest rate is 24%. I expect to negotiate that down soon.
Watch them for the annual fee thing, they'll usually mail you an offer for like $49 /year and offer you (when u call them) the same deal for $79/year. they must make brownie points.. I just got the gold visa with $500 (woohoo) limit, and $49 year membership in decemeber. i was charged a $4 member fee in december, i expect to get hit with the $49/yearly lump sum this month right? hmmm.
I noticed that c1 was starting to charge monthly fees. A girlfriend was telling me about her offer. Doesnot that suck? roni
It's $4/month instead of $49/yearly. In essence, it could be better than paying the lump sum at the beginning. since $49 out of $200 would be hard ) hehe
