Best purchase APRS...

mark_steps

Currently with MBNA and for purchases im at 7.9% Im hoping to get it lower than that but wondered if it does happen. If so what are people on and with whom?
My balance transfer is 4.9% until August then increases (dunno what to but not interested in that just yet anyway)

tom188

0% for 12 months with &More.

I have a capital one card with 6.9% standard rate, but thats the only SR lower I know of.

mark_steps

Just off the phone to Barclaycard. My APR for purchases is 13.9%. The chap said that is one of the lowest he knows of. He has heard of a few customers with a lower APR but not many. He told me he is unable to lower my APR and basically its the best i will get from them.

Any other tactics to use to lower APR?

tom188

The threaten with closure route, but they may call your bluff so beware.

mark_steps

I wanna know other peeps APRS.... lol

Phoenix79_2

Have no idea what my purchase APRs are. As i either clear my balance straight away (therefore making it irrelevant) or use 0% purchase cards.

mark_steps

I dont intend to use my cards for big purchases anyway. I would be paying off in full every month, but incase i cant pay in full one month, you know. I guess using MBNA just now is my best option as its the lowest of the 2 APR'S.

cifpower

HSBC - 22.9% (currently 0% until May)
First Trust - 12.9%

BONJOEY

mbna do say that 7.9 is the lowest they offer, thats what my rate is.

jamalfatty

BONJOEY wrote:

mbna do say that 7.9 is the lowest they offer, thats what my rate is.

Is that your contract rate or a promo rate? If its the contract rate, you'll be hard pushed to better that anywhere else

nearlyrich

I have an empty Virgin Red Card with £10k CL, I received a letter today offering 0% till August 2007.