What is a realistic and good APR on a credit card?

I call and ask for lower rates, higher limites and reduced membership fees every 6 months and everytime I do, they say ok.

You must have a good payment history..

Read this page about credit cards: http://www.expert-credit-advice.com/credit_card_expert.htm

If they wont reduce the apr, you can always transfer the balance to another that will........

2006-11-16 00:56:51 · answer #1 · answered by Anonymous · 0⤊ 1⤋

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RE:
What is a realistic and good APR on a credit card?
I have a credit card but forgot the APR I'm paying on it. I want to call up and tell the creditor that I received an offer for another card but I need to know a realistic APR yet a good one to throw in there. Maybe they'll give me a better APR. Any good ideas? Thanks!

2016-02-07 21:58:54 · answer #2 · answered by Andromache 4 · 0⤊ 0⤋

This Site Might Help You.

RE:
What is a realistic and good APR on a credit card?
I have a credit card but forgot the APR I'm paying on it. I want to call up and tell the creditor that I received an offer for another card but I need to know a realistic APR yet a good one to throw in there. Maybe they'll give me a better APR. Any good ideas?

Thanks!

2015-08-20 13:28:02 · answer #3 · answered by Bobbye 1 · 0⤊ 0⤋

Good Apr

2016-12-17 13:19:30 · answer #4 · answered by ? 4 · 0⤊ 0⤋

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Annual Percentage Rate (Lower is better) average 16 % Default APR (Lower is better) average 18% Grace Period : (More is better) Aerage 25 days Annual Fee : No Annual fee is the best. Minimum Finance Charge: Look for None. Minimum Payment: (Average 2% to 3 %) Cash Advance Fee: (Average 2% to 3% ) Late Payment Fee: Lower is better Average $20 - $35 Over Limit Fee : Lower is better Average $25 - $35

2016-03-26 20:47:51 · answer #5 · answered by Pauline 4 · 0⤊ 0⤋

12-13% in that range for low risk 18-20 med. risk 24 and up to legal limit. If you find a better rate you can do a bal. transfer to other card co. Tell your card co. this they may lower your APR. Good luck and onward through the fog

2006-11-15 12:01:16 · answer #6 · answered by moonwalker 3 · 1⤊ 0⤋

most charge as much as 20-23 percent.. a lot of times a company will offer you a lower temporary rate to get your business. I get stuff in the mail all the time on this.

2006-11-15 10:50:18 · answer #7 · answered by Tired Old Man 7 · 0⤊ 1⤋

aprs are up to 32% now -- good luck with that. try credit counsiling for cheap aprs. you can't use your credit cards but i got like 6% interest and the balances dropped drastically just because i wasn't paying to interest. your credit cards aren't cancelled out but you can't use them and contrary to popular belief it actually helps your credit rating.

2006-11-15 10:55:11 · answer #8 · answered by Anonymous · 0⤊ 4⤋

A good rate is PRIME + 2, which would currently be 10.25%.

Here's a good link: http://www.bankrate.com/brm/rate/cc_home.asp

2006-11-15 10:55:37 · answer #9 · answered by Speedy 3 · 0⤊ 0⤋

Plenty of great answers already for this

2016-08-08 19:26:40 · answer #10 · answered by ? 3 · 0⤊ 0⤋

What is a realistic and good APR on a credit card?

7 answers