Afternoon all and Happy Thanksgiving!
Like the title states just looking for a bit of guidance on getting a new Credit Card. I recently took care of all of my Credit Card debt and am under 30% utilization between all of my Credit Cards. Now i'm still pretty fresh to the CC game only 22 at the moment, so i'd prefer to make right choices from now than wait later down the road. Right now my BoA Cash Rewards card 0% is going to be up come December 4th but I can't for the life of me remember the APR that I was given. My Chase Freedom card was my very first one (1 year 7 months ago) from a bank and it has a APR of 22.90% which is way to high to use for day to day transactions unless I plan to pay it off by the end of the month.
So for the new CC i'm looking to hopefully pull off a 5k limit and an APR ranging between 10%-14%. I did receive the new Discover IT in the mail and I believe the APR they were offering me was 12.99%. Now my question is should I just go ahead and pull the trigger on that or are there better options out there? Credit Union of Texas also sent me something in the mail for a CC but I can't find any reviews on it and have not had the chance to go to the Credit Union to get more info as far as APR etc.
I just checked my Credit Score last week on Credit Karma after paying off the majority of my debt and it came up at a 743. Earlier this year when I financed my first car (via the Credit Union) they pulled my Credit Score as a 718, so I assume it's safe to say I fall in a good range for a great APR and a great starting allotment.
Don't know if all of this information is helpful or not or if anyone can give me any better direction than the Discover IT, but just figured i'd ask. Thanks in advance and happy Turkey Day to all.