UrbanBaby

06.27.08, 08:46 AM New York City
7 replies

Money/banking types: Question regarding credit card APRs. Both dh and I have excellent credit. For the first time in our lives, we may have to carry a balance on our cards for a few months. What is a reasonable APR to pay? Want to ask for a reduction in rate. Have never paid any attention before because I've never carried a balance. tia [ Reply | Watch | Flag ]
New York City 06.27.08, 08:46 AM Flag

Dear UrbanBaby community,

Thank you so much for being a valued member of the UrbanBaby community. We wanted to inform you that we are shutting down the site on July 6th. We are grateful for your participation and support that has helped make UrbanBaby such an important resource to parents for many years.

If you have any questions or concerns, you can email us at urbanbaby-support@cbsinteractive.com.

Thanks so much,

UrbanBaby Support

we pay 3.99 [ Reply | More

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General Topics 06.27.08, 08:47 AM Flag

is that something you negotiated, or did you apply for a card that had that amoung? [ Reply | More

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General Topics 06.27.08, 08:48 AM Flag

excellent credit, we always have a small balance but pay it religiously, don't think we started with this balance. try bankrate.com, or something like that. maybe do a google search. there are websites that show different credit card rates. but read the fine print. [ Reply | More

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General Topics 06.27.08, 08:53 AM Flag

We're in the same situation. Had to transfer an AmEx balance to a CC. I called last night and got 2.99%. [ Reply | More

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General Topics 06.27.08, 09:09 AM Flag

Go for a "special offer" read the terms carefully, I got zero for a full year, no balance transfer costs, no annual fee... now if I could just make a little more and pay off those taxes! Basically, don't you get credit card offers in the mail that you normally throw away? Start actually reading them, some might be good deals. [ Reply | More

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General Topics 06.27.08, 09:44 AM Flag

call your credit card and tell them you think since you have been a customer for a long time, you want a better deal. Sound slightly bitchy. They might give you a better rate temporarily. [ Reply | More

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General Topics 06.27.08, 10:36 AM Flag

We pay 0.75%. [ Reply | More

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General Topics 06.27.08, 10:37 AM Flag