- Centurion Member
- Posts: 181
- Joined: Fri Apr 12, 2013 4:47 pm
- Location: Indianapolis, IN
The classic platinum card has 0% for a few months then 19ish% APR. The platinum with $19 fee has a 24ish% APR and no intro period. The higher the APR, the easier to qualify. For example, Capital One has the newcomer rewards card which has 1% cash back, no bonuses, and no annual fee. Sounds okay, but it has a 24.9% APR. All their sub prime cards come with caveats.
Scores on the mend...
FICO: 650 and holding
Cards I Use Chase Amazon Prime VS, Capital One QuickSilver MC
Sock Drawer Discover IT, AE Visa, CareCredit, CreditOne (keeping for history for now). Various store cards for history and utilization padding
Short Goal Reach 680