My APR's

Jim over at mydebtblog asked me what my APR's are. I thought it would be a good thing to share with you guys.


Capital one - 10.8%

BOA Line of credit - 21.99% (grr!)

BOA Credit Card - 0% till I think April, then 14.99%

Merrill Lynch - 3.99%

Us Bank - 14.75% that is in place to be reduced to 9.99%

Grad loan - 6.8%

Undgrad Laon - 2.88%


There you have it. As you can see, Bank of America is out of control and they refused to lower the rate. Matter of fact, when I called them to lower it, they reduced my credit line (they did the same of Merrill Lynch too since they own that) and effectively destroyed my credit score. They left about $60 on each account even though I had about $5000 in unused credit. I'll save that for another post because it makes me MAD.

Luckily I had a purchase check for my capital one account with no fees. It's not 0% but at the current purchase rate which is about 10% lower than the Boa. I'll take it. Just unhappy I couldn't transfer the whole thing out. The thing is, If i get a new credit card, I don't think I can do a balance transfer because it's a line of credit not a credit card. Let me know if you guys no any different! I really don't want another card but at this point, my credit score can take as many hits as it likes.

It was 672 on dec 2nd and I think it dropped to 657 shortly after the Bank of America Fiasco. Not sure what it is but I'll be checking on it every now and then.