# ANY credit-card rate below 14 percent is good? **URL:** \ **Category:** Credit Cards\ **Created:** [June 4, 2022, 9:20pm UTC](https://community.clark.com/t/any-credit-card-rate-below-14-percent-is-good/695 "2022-06-04T21:20:25Z")\ **Posts on this page:** 10\ **Page:** 1
**Author:** ![PropofolMask](https://avatars.discourse-cdn.com/v4/letter/p/6f9a4e/32.png) [@PropofolMask](https://community.clark.com/u/PropofolMask)\ **Post date:** [June 4, 2022, 9:20pm UTC](https://community.clark.com/t/any-credit-card-rate-below-14-percent-is-good/695/1 "2022-06-04T21:20:25Z")
[This article](https://wallethub.com/answers/cc/what-is-a-good-interest-rate-on-a-credit-card-2140691326/) essentially says that the answer is “Yes.” Judging from [this video](https://youtu.be/5gnvjvYa7dQ) as well as [this other video](https://youtu.be/nrkgyemSmoU), it seems to me that “No” would be Clark Howard’s answer. ---
**Author:** ![Smartpolitics](https://avatars.discourse-cdn.com/v4/letter/s/65b543/32.png) [@Smartpolitics](https://community.clark.com/u/Smartpolitics)\ **Post date:** [July 3, 2022, 4:09am UTC](https://community.clark.com/t/any-credit-card-rate-below-14-percent-is-good/695/2 "2022-07-03T04:09:00Z")
Our credit union is at 9% personal loan 3.94% car loan, and 10.25% credit card There probably are better options out there The prime rate is 4.75% ---
**Author:** ![ochotona](https://sea2.discourse-cdn.com/flex016/user_avatar/community.clark.com/ochotona/32/293_2.png) [@ochotona](https://community.clark.com/u/ochotona)\ **Post date:** [July 3, 2022, 12:09pm UTC](https://community.clark.com/t/any-credit-card-rate-below-14-percent-is-good/695/3 "2022-07-03T12:09:50Z")
Pay all your debts off ---
**Author:** ![Smartpolitics](https://avatars.discourse-cdn.com/v4/letter/s/65b543/32.png) [@Smartpolitics](https://community.clark.com/u/Smartpolitics)\ **Post date:** [July 4, 2022, 1:01pm UTC](https://community.clark.com/t/any-credit-card-rate-below-14-percent-is-good/695/4 "2022-07-04T13:01:48Z")
Absolutely. We are in a severe bind right now so the goal is to stop the bleeding. The goal is a tourniquet Good advice. Currently paying 5% interest on all debts except 2.625% for the mortgage. ---
**Author:** ![ochotona](https://sea2.discourse-cdn.com/flex016/user_avatar/community.clark.com/ochotona/32/293_2.png) [@ochotona](https://community.clark.com/u/ochotona)\ **Post date:** [July 4, 2022, 2:01pm UTC](https://community.clark.com/t/any-credit-card-rate-below-14-percent-is-good/695/5 "2022-07-04T14:01:58Z")
Good luck, many people are facing hard things. ---
**Author:** ![PropofolMask](https://avatars.discourse-cdn.com/v4/letter/p/6f9a4e/32.png) [@PropofolMask](https://community.clark.com/u/PropofolMask)\ **Post date:** [July 12, 2022, 10:50pm UTC](https://community.clark.com/t/any-credit-card-rate-below-14-percent-is-good/695/6 "2022-07-12T22:50:05Z")
> [@Smartpolitics](#): > > Our credit union is at 9% personal loan 3.94% car loan, and 10.25% credit card Smartpolitics, is the credit card in question a **fixed-rate** credit card? I can’t say that Navy Federal Credit Union offers such a card at the present time. (For the record, both me and Clark Howard are NFCU members.) ---
**Author:** ![Smartpolitics](https://avatars.discourse-cdn.com/v4/letter/s/65b543/32.png) [@Smartpolitics](https://community.clark.com/u/Smartpolitics)\ **Post date:** [July 13, 2022, 2:15am UTC](https://community.clark.com/t/any-credit-card-rate-below-14-percent-is-good/695/7 "2022-07-13T02:15:51Z")
No I believe it’s 5.5% above prime ---
**Author:** ![akers](https://avatars.discourse-cdn.com/v4/letter/a/65b543/32.png) [@akers](https://community.clark.com/u/akers)\ **Post date:** [January 18, 2023, 12:26pm UTC](https://community.clark.com/t/any-credit-card-rate-below-14-percent-is-good/695/8 "2023-01-18T12:26:07Z")
I’m thinking of taking a credit and I’m looking for some banks with good terms. I found acima credit [here](https://acima-credit.pissedconsumer.com/review.html), but the rate is almost 12% and some reviews are really negative. ---
**Author:** ![Smartpolitics](https://avatars.discourse-cdn.com/v4/letter/s/65b543/32.png) [@Smartpolitics](https://community.clark.com/u/Smartpolitics)\ **Post date:** [January 18, 2023, 12:32pm UTC](https://community.clark.com/t/any-credit-card-rate-below-14-percent-is-good/695/9 "2023-01-18T12:32:11Z")
PenFed or maybe other credit unions credit cards ---
**Author:** ![Sally\_TeamClark](https://sea2.discourse-cdn.com/flex016/user_avatar/community.clark.com/sally_teamclark/32/10_2.png) [@Sally\_TeamClark](https://community.clark.com/u/Sally_TeamClark)\ **Post date:** [March 21, 2025, 5:20pm UTC](https://community.clark.com/t/any-credit-card-rate-below-14-percent-is-good/695/10 "2025-03-21T17:20:46Z")