anyone have a good credit card rate? which bank?

[ocean]

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!!!!!!!

 

[The_Expanding_Man]

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

 

[anon_vlad]

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.

 

[ocean]

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?

 

[Justforfun]

Easy web search !

No frills credit cards

RBC Visa Classic Low Rate
Rate 11.9%
Annual Fee $20
http://www.rbcroyalbank.com/credit-cards/index.html

CIBC Select Visa Card
Rate 11.9%
Annual Fee $29
https://www.cibc.com/ca/visa/select-visa-card.html

As previously mentionned, even with low rate its better not to carry a balance

 

[ocean]

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.