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Discussion in 'Credit Talk' started by dlo64, Sep 21, 2001.
Are CC rates based on something else other that the prime rate?
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Some issuers may have a "floor" - the lowest rate that they are willing to go to. Even if the prime rate keeps dropping, once the floor rate is hit, it will remain unchanged. As far as the 1/2 percent increase, I, personally, would call and find out why it went up when the prime keeps going down.
citi takes it time to compute the new rate. Its currently at 6.75 as the prime factor... They do this of course to make more money from you..
I notice that mine seem to change quarterly according to what they are doing w/ interest rates.
All of mine are down, plus I just got an 8.9% APR from MBNA till 1/02.