Discover Card: Grocery Stores and Wholesale Clubs 5% Cash Back (Enrollment for Apr – Jun) Discover Card is offering Discover Cardholders: 5% Cashback Bonus at Grocery Stores and Wholesale Clubs Steps: Go to Discover.com and login to your account Go to the Cashback Calendar page or…

Purchase APR will no longer vary with the market based on the Prime Rate I guess it doesn’t matter because I pay my statement in full, but it’s still like what the heck? Taking effect on 4/9/25, my Victoria’s Secret card will go all the way up to 35.99%. They are preparing for what will occur in the US due to the current economic climate. “Your Purchase APR will no longer vary with the market based on the Prime Rate….

Paying for large purchases w 0% APR card to invest the difference We are about to spend $20 to $30k. We have no debt and high income. I have heard of people putting these large purchases on a 0% introductory APR card. It’s not crazy to think that amount of money could return a few thousand dollars over 15 months, so it mostly seems like a no-brainer. The only consideration that comes to mind is my credit score…

No-fee, 0% intro APR offer for credit card balance transfer? Are there currently any credit card possibilities for a no-fee, 0% intro APR for balance transfer out there? I know, I know – free money doesn’t exist! But as of a year ago, there seems to have been one – First Tech Fed Credit Union. But I can’t dig up any information on whether it’s still available. Source: https://www.reddit.com/r/personalfina…

10k in cc debt. 0% intro apr for all my cards are over. Score is 680. 500 in payments per month but 400+ is added back in interest. What’s my best option? I have debt from 2018 when I was in college, where I just opened up cards for dumb reasons and only paid the minimum, balance transfer after balance transfer. I recently started a 72k USD a year job and I make payments monthly but the interest is crazy. I recently tried opening up another Cc from nerd wallet and I got rejected (I think it requir…

New car buyer APR is crazy high (I think?) I have a slim credit history and my score is a 658 but I have my dad as a co-signer, I went to a used car dealership yesterday and they gave me 22% apr on a $13k car. Naturally, I said absolutely not. I argued with the salesman for a little because he wasn’t taking no for an answer but when I stood up to leave he told me to wait and brought back…

Yeah but this is also Dhaka (Apr 2023) submitted by /u/rustedivan

prudent to finance a car at 0.9% APR w/36mo term? I’m deciding between lightly used car, or buying a new car and taking advantage of this dope interest rate. Right up front – if this ends up being a bad bet, I’ll still be able to make the payments, it will just be super annoying, so not so much a “how much car can you afford” question, but a “how to maximize the use of $25-30K over 3 years” que…

Car loan (21% APR) gone very sour During covid I moved out at 17 and drove a 2001 Honda civic which eventually gave up on me. I was in a pinch and needed a car as I not only moved out but moved 2 hours away from everyone I knew and got a 23k loan to finance a 2020 Hyundai Elantra (unaware they were easier to steal than candy) here I am 3 years later barely touching my principal …

Apr is 28% need advice A couple years ago my credit was bad and I made a terrible decision got a 2015 Outback at DriveTime with 28% apr. I had no idea at the time that was ridiculously high. My credit is a lot better now at 690. I still owe about $15k on my 2015 Outback. I’ve tried refinancing it with no luck since I owe more than what the car is worth. I recently app…

21.6% apr on a $11.6k car loan… I had to leave an abusive house situation and made the poor decision to finance a car with 21.6% interest because I was desperate and my mother refused to let me use the old car she had given me if I left. I’m paying $400 car payments every month for the past 6 months of a 60 month loan. I’m seeing the amount going towards interest decreasing an…

New 0% APR Card or Balance Transfer from Existing card Overall credit debt is at like 8k. Have 5 accounts, 2 fully paid off. One of the cards are offering me a balance transfer offer of 1.99% APR for a year, 4% transfer fee. Should I take this, or open a 0% APR card, and transfer it to the new card? Thank you so much. submitted by /u/CaptainCoops02

I have ~3000 debt in multiple credit cards. What is the best way to close this debts so I will pay less APR? Basically I have a several credit card debts that combined counts to 3000. I just want to avoid late fees and APRs (which is about 30%) and pay out this debt, maybe, in one institution? I’m pretty new to US debts system, so I’m not sure which way should I go to get rid of this. submitted by /u/kitsumimi_

Buying a new car at 0% APR vs used at 5-7% APR, no brainer to just pay for new? Any other considerations? Hi all, We are buying a 2nd car and I was looking at spending about 30k on a 3 year old used car with 20-30k miles on it, APR would probably be like 6 or 7%. A local dealer is running a 0% financing special on their 2024 new stock and have that car in the highest trim level for about 42k at 0%. Well, that payment actually ends up being quite sim…

Is 5.5% apr on a 16k car loan worth paying off early? I’m thinking no bc id get better returns in s&p500 or something. submitted by /u/neverTouchedWomen

Should I pay off my car loan with a 4.99 apr? I own about 20,000 on a car loan that is charging me 4.99% percent monthly on the loan. I have about 50,000 in a Fidelity SPAXX account earning about the same amount in interest each month. Does it make sense to pay off the car (roughly 4.95%) loan now by using some of that money in the Savings Account, but then reduce the amount of interest I’m…

explain APR to me like I’m five just asked for a 6k loan with a 27% APR and the total charged interest sums almost 58 hundred. So the cost of asking 6k is gonna cost me almost 100% of the money lendered in a period of five years. Math is not really mathing or APR’s are not what they seem at first view. Although I suck at being financial literate so that makes sense actually …

Credit card new APR 34.5% should I close it? So I just got a letter from Macy saying there is new changes to my account and the Apr is now 34.5% It gives me the option to reject that offer meaning closing my account will that affect my credit? I only use macys credit card during holidays for colognes or whenever I need new clothes which is rarely submitted by /u/su_premacy …

free APR till jan 2025, an obvious question One of my credit card had free APR until Jan 2025 automatically applied to any charges. it happens to be the card that i use for high value charges (including >$1000 month health insurance). the question is why would i not create a separate investment account (say schwab), put the cash equivalent of all those charges into MMF, and come out a few…

Mortgage is at 6.2% APR for 15 years. Pay it off sooner or invest in ETFs? Hello, Since the 6.2% can be considered as guaranteed return, I am more inclined towards paying off the mortgage. But does it make more sense to invest rather? EDIT: This is a new mortgage, loan amount is $400k, tenure is 15 years, payments haven’t begun yet. submitted by /u/boxes_and_buckets