On 8/28/2016 2:39 PM, David E. Ross wrote:
On 8/28/2016 7:53 AM, David E. Ross wrote:
On 8/28/2016 6:33 AM, Desiree wrote [in part]:
You assume too much. Chase is the LOWEST FIXED credit card interest
rate of all banks I have cards from or have looked at. Plus, I have a
HIGH credit limit at Chase on my Slate card. Certainly, no local credit
union would offer anything like Chase even with my 822 FICO score.
Local credit unions offer dinky credit cards and NONE offer FIXED rate.
I have three local credit cards from local banks. My Chase non local
card is the only one with a very low FIXED interest rate and three times
higher credit limit than my local cards.
Since I pay off ALL my credit cards monthly, interest rates on credit
cards are meaningless to me. I feel that financing short-term living
expenses with long-term debt is definitely NOT the way towards financial
security. As for earning "points", my credit union no-fee Visa card
earns 1% back on ALL purchases.
In any case, I have yet to find a bank -- large or small -- that has
interest rates on loans lower than either of the two credit unions where
I have accounts. My home-equity line of credit is 0.4% above prime,
currently 3.875% with no fees.
I just checked the JPMorgan Chase Web site. After low or zero
introductory rates, the minimum credit card interest rate over all of
the eight varieties of personal and business credit cards is 13.24%.
Premier America Credit Union has a Master Card with a minimum rate of
7.50%, and Unify Financial Credit Union has a Visa card with a fixed
minimum rate of 8.99%.
Yes, those are Chase's current rates. I've had this card with them for
over 20 years. Chase, I don't think, has any fixed rate cards either
currently.
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