How Long is a Credit Card Fixed Rate Really Fixed?
Author: AJ
Posted: Sun Jun 04, 2006 1:42 pm
Post subject: Fixed Rates
I still have a 5.9 fixed rate on purchases and balance transfers from MBNA . I've had the same rate since the account opened in 2004 with a 19k limit. Anyone else?
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Author :fire3000
Posted: Sun Jun 04, 2006 3:32 pm
Post subject: Fixed rate
I have accepted balance transfer for life offers from Citi, Cap 1, Amex. and ATT Universal (also a Citi card). All are still in effect and the fixed low rates have never changed. I also have several short term fixed rate card balances. All it takes is a single late payment to ratejack one or all to sky high levels, so I am extra careful to never be late. I always pay at their web sites, pay at least two weeks ahead of the due dates, copy down the confirmation numbers, and go online again to verify that the payments posted. From reading what other people have posted, I know that some card companies will try to pull a fast one and claim that they did not receive a payment on time. So I suggest that you accept low rate offers, but spend the extra time to keep track of the payments and acknowledge that there is some risk involved.
Author: mouse
Posted: Sun Jun 04, 2006 4:26 pm
Post subject:
CAPITAL ONE IS FIXED AT 5.90%
Author: Board Monitor
Posted: Mon Jun 05, 2006 8:32 am
Post subject: How Long is a Credit Card Fixed Rate Really Fixed?
Quote:
I still have a 5.9 fixed rate on purchases and balance transfers from MBNA
Very nice rate! Let us know if it changes. Fixed rate cards have been know to vary.
_________________
Regards,
Curtis Arnold
Board Monitor
http://www.CardRatings.com
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Posted: Sun Jun 04, 2006 1:42 pm
Post subject: Fixed Rates
I still have a 5.9 fixed rate on purchases and balance transfers from MBNA . I've had the same rate since the account opened in 2004 with a 19k limit. Anyone else?
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author :fire3000
Posted: Sun Jun 04, 2006 3:32 pm
Post subject: Fixed rate
I have accepted balance transfer for life offers from Citi, Cap 1, Amex. and ATT Universal (also a Citi card). All are still in effect and the fixed low rates have never changed. I also have several short term fixed rate card balances. All it takes is a single late payment to ratejack one or all to sky high levels, so I am extra careful to never be late. I always pay at their web sites, pay at least two weeks ahead of the due dates, copy down the confirmation numbers, and go online again to verify that the payments posted. From reading what other people have posted, I know that some card companies will try to pull a fast one and claim that they did not receive a payment on time. So I suggest that you accept low rate offers, but spend the extra time to keep track of the payments and acknowledge that there is some risk involved.
Author: mouse
Posted: Sun Jun 04, 2006 4:26 pm
Post subject:
CAPITAL ONE IS FIXED AT 5.90%
Author: Board Monitor
Posted: Mon Jun 05, 2006 8:32 am
Post subject: How Long is a Credit Card Fixed Rate Really Fixed?
Quote:
I still have a 5.9 fixed rate on purchases and balance transfers from MBNA
Very nice rate! Let us know if it changes. Fixed rate cards have been know to vary.
_________________
Regards,
Curtis Arnold
Board Monitor
http://www.CardRatings.com
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
posted by CardRatings.com at 8:37 PM
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