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Thread: anyone have a good credit card rate? which bank?

  1. #1

    anyone have a good credit card rate? which bank?

    Hi does anyone have a good credit card rate and if so with which bank?

    background info :A while I had some debt like 5K with on my cards, I wanted a better interest rate, the bank laughed at me, so over the past 4 months I have been saying fuck this I am going to discipline myself, bring my balance to zero as step 1.......mission accomplished.

    Now ,step 2, find a better rate and tell rbc to fuck itself. Please give good suggestions and tips thanks!!!!!!!

  2. #2
    Registered User
    Join Date
    Nov 2009
    Banks and credit card companies take pleasure in screwing you with their rates. You have to fight back.

    If you have a good credit rating, there are many deals out there for you:

    a) MBNA has a promotion offering a balance transfer rate of 1.99% for about 8 or 10 months. MBNA has a gold card with zero annual fee... just don't carry a balance.

    b) ScotiaBank always has promotions... but you need a good credit rating to take advantage.

    c) get the Momentum Visa from ScotiaBank. $39 annual fee, 1% cash back on all purchases, and 2% for all pre-authorized payments (your Bell bill, internet, cell phone, newspaper, Videotron etc) and 2 % on all gasoline purchases, grocery, pharmacy....

    The only way to fight back is to cultivate a good credit rating and take advantage of the best rates....

    Good luck

  3. #3
    Avoid the National Bank (Banque Nationale). When last I looked, not only were their rates as bad as the rest, but in addition they sent me spam snail mail and even telephoned me for sell me insurance. I cancelled my card and had to threaten to report them before they stopped bothering me with their wonderful offers.

  4. #4
    All of these option are valid, but do me no good as their rate or post introductory rates are all 19.99% . That is too much .
    WTF! isn't ther anyone here who pays less than that19.99% on their card?

  5. #5
    Registered User
    Join Date
    Aug 2004
    Rive-Sud de Montréal
    Easy web search !

    No frills credit cards

    RBC Visa Classic Low Rate
    Rate 11.9%
    Annual Fee $20

    CIBC Select Visa Card
    Rate 11.9%
    Annual Fee $29

    As previously mentionned, even with low rate its better not to carry a balance
    Do it for pleasure, do it for exaltation, do it

  6. #6
    Thanks bro, I searched around some banks' website, I only got 19.99%, maybe I was not lookign hard enough, my bad! I will try to get a better rate.

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