- Centurion Member
- Posts: 464
- Joined: Fri Apr 12, 2013 5:39 pm
- Location: Los Angeles
I agree. Even if the intention is to pay in full each month, with all else being equal, why not gun for the lowest APR possible?
I'm surprised that given the OP's credit score, and the fact that you have to be either military, ex-military or closely associated with one of the latter to be a USAA member, that they would even offer you that high of an APR. My partner (ex-military) has two credit cards with them, both with phat limits, and both around the 7-10% APR range.
Like many other banks, after you show a few months of judicious usage and on-time payments, you can always call and request they lower your APR. I've found that half the time, they are happy to oblige.
AMEX: PRG Gold, Business Simply Cash, Business Costco, BCE.
Chase: United MileagePlus Club, Sapphire Preferred, Amazon Rewards
Barclaycard Arrival World Mastercard
HSBC Cash or Fly World Mastercard
USAA World Mastercard, USAA Platinum Mastercard
Wells Fargo Business Platinum
USC Credit Union Mastercard