I I have medium credit, 2 out of the three report me as good and one reports me as bad. Last time I checked (I check every three months) I went down a few points because I canceled 3 store cards I hadn't used in forever.
I believe my current card has a 16.87% APR....
I pay on time ALL the time almost in full each time... I use less than half of my credit limit on the card.. the card is always with in manageable range for my income.
I'd like a card with a much lower APR, or some reward system. I also would hopefully like to get no transfer rates.
My credit Union (FFCU) offers a card but I'm not yet sure if its good. My current card is Bank of America.
I've called them and asked for a lower APR, but they don't seem to have one (for me) which ticks me off b/c I'm a good card holder.
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