Whyah Posted August 2, 2005 Report Share Posted August 2, 2005 Hello I just got a National City Visa with 9.6 apr the lowest they offer! I thought they would give me the highest. I also got 0 percent for 6 months which I plan on doing a balance transfer from another card with much much higher interest rate. This card I was just was a authorized user on. I had a Bankruptcy discharged in 2/97 1 collection agency for 12.00 and 1 paid as agreed on my credit report. Is this good enough to get a Amex blue card? Also I heard about Discover and others raising the interest rate at the drop of a hat. Would I run into any trouble from National City doing this to me if I open another credit card?Lastly does anybody know of any reputable credit card companies that offer a longer than 6 month 0 percent apr for balance transfers? Thanks Link to comment Share on other sites More sharing options...
DocDon Posted August 2, 2005 Report Share Posted August 2, 2005 Don't know of any off the top of my head - you migh try here to help with your search: http://www.cardratings.com/Be sure to read the fine print. What you're looking for is a "universal default clause" - that's where they'll jack your rates based on your relationship with other creditors. In my opinion, if any issuer has that clause in their cardholder agreement - run. They're not doing you any favors. One erroneous collection on your report, and you'd be better off jabbing a fork in your eye when you consider what you'll have to go through to get your rates back down to where they should be. Link to comment Share on other sites More sharing options...
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