The score isn’t a fixed number but fluctuates periodically in response to changes in your credit activity (for example, if you open a new credit card account).1 Key Takeaways In general, a credit score above 670 will allow potential mortgage borrowers access to prime or favorable interest...
Credit card APRs are typically tied to a benchmark figure called the prime rate. That's the rate banks charge their most valuable customers — the biggest ones with the best credit. When the prime rate increases, credit card interest rates usually do, too. What is a good APR for a credi...
VantageScore is a competitor to FICO scoring. They produce similar data from the three credit reporting agencies. A good VantageScore runs between 661-780. They refer to this as a prime credit tier. A VantageScore between 780-850 is called superprime. Scores between 601-660 are near prime. ...
Here are its credit score ranges: Superprime: 781 to 850. Prime: 661 to 780. Near Prime: 601 to 660. Subprime: 300 to 600. A good, or "prime," VantageScore ranges from 661 to 780. Are you wondering why 669 is a fair FICO score but a good VantageScore? It's because the ...
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More often than not, your credit card has a variable APR expressed as a range — such as 17.24 percent to 29.99 percent. A variable APR changes according tothe prime rate, a benchmark lenders use to determine interest rates on credit cards as well as other credit accounts, such as loans...
In other words, when the prime lending rate changes, credit card rates tend to do the same. Note that these APR shifts are usually so insignificant that you won’t be able to notice them unless you compare your monthly credit card statements. If you’ve ever shopped for a credit card,...
An excellent credit score can work in getting you a credit card with a good APR, and the reverse holds true as well.
What is considered a good credit score? A goodFICO credit scoreis 670 or higher (800+ being exceptional), and VantageScore prime credit scores start at 661. Lenders use several credit scoring models, but the two most common are FICO and VantageScore. ...