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Is there any research into error rates on websites?

Looking for credit cards with low rates.

  • Anyone want to throw out some low credit card rates and who they're with? Or recommend some good comparitive websites for research? I'm searching, as mine seems to have crept up and MBNA America isn't willing to lower it. I realize I can google for comparisons, but I worry about the integrity of those sites that come up. So, any that you trust?

  • Answer:

    I seem to recommend them a lot, but http://www.bankrate.com has some terrific, unbiased advice for all things http://www.bankrate.com/brm/rate/cc_home.asp.

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This worries me as I just switched to MBNA because they gave me a 5.9% Fixed APR.

ajpresto

I'm currently a few months into an 18-month 0% introductory APR on a Fleet Platinum Visa. After the introductory period expries next March, the rate is 8.9%, I think. Doesn't much matter, as I don't like to pay interest and will likely just close the account when the interest rate kicks in. Now if Apple would just hurry up with those @#$! faster G5 desktops... This worries me as I just switched to MBNA because they gave me a 5.9% Fixed APR. There's nothing to worry about. Just keep watch on your statement, and if they raise your rate, close the account.

kindall

For most financial (and insurance) stuff, USAA is generally very good if you're eligible for it.

ROU_Xenophobe

I second ROU_Xenophone's assessment. But also it seems I can't turn my head without getting offers for 0% right now. I got a 0% from Chase recently.

terrapin

For what it's worth, I read about a good tactic to get the attention of your credit card company to give you a lower interest rate ... call them up and say "I want to pay my debt in full, and I don't want to resort to declaring bankruptcy or switch my balance to another bank. How much can you lower my interest rate so that I can stay with you?" The word "bankruptcy" obviously scares them, because they'll only get pennies on the dollar (at best) if you do. It's at least worth a shot. I do know, however, that MBNA will not adjust your interest rate more frequently than once every 6 months. Also, you'll end up paying a premium rate for a card that gives you flyer miles, so avoid them if your goal is to pay the lowest amount of interest possible.

crunchland

Shop for fraud protection as well as interest rates. Seriously. Believe me.

Alylex

The best rate is the one you solicit yourself. Go to the bank where you have your checking account, and you'll get a low-interest no-bullshit fixed rate.

PrinceValium

If you own a home, consider a home-equity line of credit. I have one at 4%. Be forwearned that it will escalate if and when the prime rate increases. Another bonus, all interest payments are tax deductible, which you can't beat with a stick.

vito90

What's prime down your way? I'm seeing 6% up here; the lowest I can get without trying is prime+2% as a personal loan.

five fresh fish

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