Today I spoke with both NextCard/Cap1 reps, and the results were minor thriumps. 8/00 NextCard 19.9% apr - now 16.9% 8/00 Cap1 #1 20.9% apr - now 17.9% 7/99 Cap1 #2 19.9% apr - will be lowered to 16.9% & unsecured on 3/01 (reason: I was given a credit limit incr. on 9/00). 12/00 CitiAA (Gold) 19.9% apr will negotiate in Mar-May 01. Next move: May 01 I will apply for a Discover card. and then Amex a yr after that. Thanks to all !!
Congrats!! Is that a normal apr for a CitibankAA gold card. Maybe I am wrong but isn't that a subprime rate on a prime card? I'd like to apply for one of these gold cards but I don't want it if the rate is that high. Congrats again.
RE: citi rates are high The lowest rate card is the citibank Clik citi platinum select, you can negotiate rates later on however but yes. the citi AA gold is .5% higher than the citi AA silver go figure.