Question
I have the regular (not business) United Visa with an interest rate of 16.24% and the annual fee. I'm planning to call them and ask for a lower rate, and am trying to decide what's reasonable to ask/negotiate for.
I have good credit (but not the very best tier), and have had the card about a year and a half.
So, what's your interest rate?
Answer
I think you'll find very few FTers carry a balance, and certainly not on a mileage card. If you're going to carry a balance, get a card with a low interest rate. Earning 1 mile/$ is not worth paying an extra 8% in interest. According to bankrate.com, you can get a Visa from AmSouth Bank or a MC from Chase or Citi with about a 7.9% interest rate. There's no way Chase is coming anywhere close to that on the M+ Visa.
Answer
Prime + 2.99.
Answer
9.9 fixed here.
Answer
I just posted on one of the MP Visa threads in the UA forum yesterday.
A couple months after I got my card, I didn't pay off the full balance and realized when I got my next statement, I had no finance charge. I didn't remember reading about an introductory offer. Checked the website and printed material. Nope, nothing about 0% APR. Anyone else?