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Discussion in 'Credit Talk' started by sam, Sep 20, 2001.
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For now. Eventually (probably at the beginning of a new month) it will conform to the prime rate, recently lowered to 6%.
Some banks set credit card prime related rates QUARTERLY...
I asked, citi follows the changes with a certain amount of lag, not quarterly, but at their discretion they make the change about 2-3 months behind.
Notice that I didn't say which new month, LOL.
Associates seems to have the longest lag time. I think that until the end of a particular quarter, they use the highest prime rate that applied at any time during the previous quarter. So it could take up to six months to reflect a change in the prime rate.