- Centurion Member
- Posts: 4060
- Joined: Thu May 08, 2014 7:42 pm
- Location: United States
rsudhakar948 wrote:He doesn't have any intention to carry balance outside first 15 months.
He is just concerned abt the APR for future.
If he ever needs to carry a balance at anything other than 0%, he should get a special 0% intro or no-fee balance transfer card when he needs it. Even if he can get a 20% APR down to 10%, that is still 10 percentage points too high for anyone with decent credit. There's 0% and then there's everything else.*
Edit: *At least with major bank cards for people with a short history. Consumers with very old accounts, long histories, or who belong to credit unions can get long-term APRs close to zero.
Very useful: SchwabPlat, CSP, IHG, Costco (was AA Plat), Freedom, SPG
Somewhat useful: Discover, ED (was EDP), BCE, Hyatt, Arrival
May close or PC: Prestige, BrooksBros
Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech