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Fixed vs Variable Interest Rate
With the recent financial crisis and new credit card act, credit card issuers are changing their credit card from a fixed rated to a variable interest rate.
A variable interest rate credit card is based on Prime Rate plus a percentage pre-determined by the credit card issuer. As such, the interest rates may
vary monthly based on the Prime Rate(which normally based on in the Money Rates column published in The Wall Street Journal). If the Prime Rate increases, then your interest rate
will increase accordingly.
The variable rates normally applies to purchases, balance transfers, cash advances and convenience checks, if any.
Nonetheless, you are still able to find a decent low interest rate card in the market at the moment since the Prime Rate is reasonable.
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Low variable rate of 7.25%, 10.25%, or 13.25% (Prime + 4.00%, Prime + 7.00%, or Prime + 10.00%) as of 4/1/10 based on the creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less than $1.00).
Low Introductory APR on balance transfers of 1.99% for your first 6 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Looking for a credit card with a great interest rate? Want to potentially save hundreds in interest and consolidate your large credit card bills into one low interest payment? Apply for the Bryant State Bank MasterCard Credit card today!
Introductory Rate of 0.00% or 7.50% based on creditworthiness for 12 months from date opened on Purchases. (If there is an interest charge, the charge will be no less then $1.00). This rate will not change during the introductory period.
Low Introductory APR on Balance Transfers of 1.99% for the first 12 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Low Ongoing Variable Rate APR after introductory period of 7.50%, 9.50%, or 11.50% (Prime + 4.25%, Prime + 6.25%, and Prime + 8.25%) based on your creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less then $1.00).
Introductory Purchase Rate – 7.49% APR for the first 36 months. Afterwards, the APR will vary with the Prime Rate and is currently 9.99% APR.
No Balance Transfer Fees – Good till April 30, 2010
No Foreign Transaction Fees!
Some restrictions apply.
You must be a Pentagon Federal Credit Union member to apply. Not a member? It’s easy to join. You must be a United States Government employee, member of the United States Military and Uniformed Services, employee or volunteer of the American Red Cross, member of the National Military Family Association, or a family member/housemate of a current PenFed member.
Regular vs. Rewards Credit Card
It is common for a rewards credit card to have a higher interest rate than a regular credit card.
As such, it is advisable to get a regular credit card if you plan to carry balances with your card in order to enjoy lower interest rate.
At times, you may find a rewards card in the US offering an equally competitive interest rates if compares to a regular credit card.
However, the most important factor in getting a low interest rate is your credit scores and ratings. Credit card issuer is adopting a multi-tier interest rates according to
cardholders credit history. Those with excellent credit history will get a lower interest rate than those with lower credit ratings.
Carrying balances on your card
It is best practice to pay your balances in full every month. However, if you decide to carry balances on your card, a low interest rate is important to minimize the finance charges.
And do not miss a payment on your credit card or your credit rating will suffer, aside from being penalized by the issuer with additonal fees and interest rate increases.
Getting a card with 0% introductory offers on your card purchases could save you hundreds of dollars in the short term. To avoid hefty interest charges, it helps to pay off the balances within the given introductory period.
Whatever your decision, make sure the credit card works in your favor. Don't be a slave to money or credit just to keep up with the Joneses.
It is crucial to keep a good credit history especially in the current economy climate. With good credit, you'll get a much better offer for your future lending. In contrast, you may face
lending diffculty if you've a bad credit and risk paying a high interest rate to the lender, even if it's available.
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All card applications are strictly confidential.
You are allowed to apply for more than one card.
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Safe and secure online application with SSL encryption technology.
All card applications are strictly confidential.