SHOP NOW. 0% APR for 48 months on eligible TVs ⊕. SHOP NOW. 12 months financing on home appliances †. SHOP NOW. 6, 12 or 24 month financing terms on orders over $50 or more ±. SHOP NOW. ⊕ 0% APR for 24, 36, 40 or 48 Months with Equal Payments: Available on purchases of select products charged to a Samsung Financing account. Show More.Sam's Club preapproval. I know I have asked the preapproval question already but this is a little different. I got a $300 preapproval from Sam's Club/GE Money Bank yesterday. I'm considering applying for this card because I regularly shop there. I've recently disputed a few things on my Equifax and Experian reports.Chip Lupo, Credit Card Writer. @CLoop • 01/05/23. No, the Costco Credit Card doesn’t have pre-approval. However, you may be pre-selected for an application. Getting pre-selected for a Costco Credit Card indicates that your chances of being approved for an account are high ( 70% ), should you decide to apply. To respond to a Costco Credit ...SHOP NOW. 0% APR for 48 months on eligible TVs ⊕. SHOP NOW. 12 months financing on home appliances †. SHOP NOW. 6, 12 or 24 month financing terms on orders over $50 or more ±. SHOP NOW. ⊕ 0% APR for 24, 36, 40 or 48 Months with Equal Payments: Available on purchases of select products charged to a Samsung Financing account. Show More. Sep 1, 2023 · The Ann Taylor Mastercard earns 5 rewards points per dollar spent with Ann Inc. stores. For every 2,000 rewards points or $400 spent online or in-store, you’ll get rewarded with a $20 rewards card (5% back). Your first purchase made outside the Ann Inc. family will also trigger a $20 rewards card. Mar 1, 2020 · Hello all, last week I went to Sam's Club to buy some things and was not expecting to be prequalified for thier mastercard at the register. I decided to pass and look up the benefits and found it's a 5% cash back on gas! I was surprised and tempted since my highest gas cash back card is the BankAmericard with 3% (Excluding Chase and Discover's ... The Sam Ash Card makes it easy to get the gear you want today and then pay over time with convenient, monthly payments! Choose from thousands of products from your favorite brands. Applying for the card is quick, easy and safe. Just select the "Apply For The Sam Ash Credit Card" option as your method of payment during checkout or you can apply ... A variable APR of 20.49% - 29.24% on balance transfers and purchases after the introductory period ends. Lower your interest rate by 2% each year. Automatically be considered for an APR reduction when you pay on time, and spend at least $1000 on your card by your next account anniversary. Raise your credit limit.Mar 1, 2006 · Sam's Club preapproval. I know I have asked the preapproval question already but this is a little different. I got a $300 preapproval from Sam's Club/GE Money Bank yesterday. I'm considering applying for this card because I regularly shop there. I've recently disputed a few things on my Equifax and Experian reports. Prosper: Best for borrowers with good credit. Overview: Since its inception in 2005, Prosper has funded over 1 million personal loans that range from $2,000 to $50,000 and have APRs that start at ...Jan 20, 2023 · 3. Go directly to issuer sites. You can also go directly to an issuer’s site to see if you prequalify for a card. More credit card issuers have started offering prequalification tools, where, typically, the issuer will ask you to provide some basic personal information. Helping people access everyday needs. Sunbit technology is used by thousands of people every day to pay-over-time for unexpected expenses. It’s designed to approve 90% of people who apply with fair, transparent rates and no late fees, origination fees, or penalties. Sunbit is the kind, kind of payment. Find Sunbit Near You.The Ann Taylor Mastercard earns 5 rewards points per dollar spent with Ann Inc. stores. For every 2,000 rewards points or $400 spent online or in-store, you’ll get rewarded with a $20 rewards card (5% back). Your first purchase made outside the Ann Inc. family will also trigger a $20 rewards card.ITS APPROVED!! Many years ago I straight out applied and was denied... just couple weeks later I received the pre-approval in mail letter and was approved for $1500!! I have NEVER once seen someone get the pre-approval in mail, at register, in store anywhere and accept it and then be told no...Jan 20, 2023 · 3. Go directly to issuer sites. You can also go directly to an issuer’s site to see if you prequalify for a card. More credit card issuers have started offering prequalification tools, where, typically, the issuer will ask you to provide some basic personal information. Mar 1, 2020 · Hello all, last week I went to Sam's Club to buy some things and was not expecting to be prequalified for thier mastercard at the register. I decided to pass and look up the benefits and found it's a 5% cash back on gas! I was surprised and tempted since my highest gas cash back card is the BankAmericard with 3% (Excluding Chase and Discover's ... Forbes Advisor estimates that the household has $36,177 in expenses that can be reasonably charged to a credit card. At 2% cash back, the Synchrony Premier World Mastercard would earn $723.54 cash ...Sam’s Club ® Credit Card. Earn 5% back in Sam’s Cash on gas anywhere Mastercard is accepted (on first $6,000 per year, then 1%).*. Earn 3% back in Sam’s Cash on Sam’s Club purchases for Plus members. Club members earn 1%.*. Earn 3% back in Sam’s Cash on dining and takeout.*. Earn 1% back in Sam’s Cash on other purchases.*.10% back in rewards: *Get 2.5 points per $1 spent (5% back in rewards) on qualifying Best Buy® purchases when you choose Standard Credit with your Best Buy Credit Card. If you apply and are approved for a new My Best Buy® Credit Card, your first day of purchases on the Credit Card using Standard Credit within the first 14 days of account ...Sam’s Club Plus Members Get Rewarded Twice When They Shop In-Club. Sam’s Club, (NYSE: WMT), a leading membership warehouse club, Synchrony, (NYSE: SYF), a premier consumer financial services company, and Mastercard, (NYSE: MA) a global technology company in the payments industry, announced today a new Sam’s Club Mastercard rewards program that provides additional value for cardholders ...What's required to apply for the Sam's Credit Card? Must be a current Sam’s Club Member. Must be a U.S. Citizen. Apply in the club or at https://www.samsclub.syf.com . Where can I use my Sam’s Club Credit Card? Use your Sam's Club Mastercard anywhere that Mastercard is accepted. How do I pay my credit card bill? Mortgage pre-qualification is an informal evaluation of your creditworthiness and how much home you can afford based on self-reported information like your credit, debt, income and assets. Based ...The Capital One® Walmart Rewards™ Mastercard can be used for Walmart purchases and anywhere else that Mastercard is accepted. The Walmart Rewards™ Card can only be used for Walmart purchases (Walmart.com, in the Walmart App (s), in stores, and at Walmart and Murphy USA Gas Stations).Sam’s Club ® Credit Card. Earn 5% back in Sam’s Cash on gas anywhere Mastercard is accepted (on first $6,000 per year, then 1%).*. Earn 3% back in Sam’s Cash on Sam’s Club purchases for Plus members. Club members earn 1%.*. Earn 3% back in Sam’s Cash on dining and takeout.*. Earn 1% back in Sam’s Cash on other purchases.*.Jun 7, 2021 · Sydney Garth, Credit Cards Moderator. You might get a TJX Store Card pre-approval letter if you fit the issuer’s criteria for offering you one. Unfortunately, there’s no other way to check if you pre-qualify for this card. Getting pre-approved is only a soft pull on your credit, but it doesn’t guarantee your actual approval for the TJX ... Jan 5, 2023 · Capital One VentureOne Rewards Credit Card. Finder Rating: 3.5 / 5: ★★★★★. Up to 5x miles. $0. 0% intro for the first 15 months (then 19.99% - 29.99% variable) Earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening. See rates & fees. Go to site. Ultimate Support MDS-100 Modular Device Stand. $67.99. Ultimate Support MC05 Round Base Straight Microphone Stand. $40.99. Ultimate Support MC-40B Pro Microphone Stand. $52.99. Ultimate Support MC-40B Pro 3-Pack Mic Stand with Boom, Black. $129.99. Ultimate Support Nucleus-Z Navigator Fully Expanded Workstation Desk.You get 5% back on the first $6,000 per year on fuel purchases, including those at Sam’s Club locations. After $6,000, the fuel cash back drops to 1%. You get 3% back on qualified travel and dining purchases. You earn 1% back on any other purchase. There are no foreign transaction fees or annual fees for this card.Sep 1, 2023 · The Ann Taylor Mastercard earns 5 rewards points per dollar spent with Ann Inc. stores. For every 2,000 rewards points or $400 spent online or in-store, you’ll get rewarded with a $20 rewards card (5% back). Your first purchase made outside the Ann Inc. family will also trigger a $20 rewards card. Sep 4, 2023 · Written by: Eric Bank. Edited by: Lillian Guevara-Castro. Reviewed by: Ashley Fricker. Updated: August 30, 2023. In this review of pre-approved credit cards by issuer, we describe how to get a credit card with a minimum of fuss. We look at the pre-approval processes of five major card issuers: Capital One, Chase, Discover, American Express, and ... May 16, 2023 · The Old Navy Visa Card takes a score of 700 or better. The store will do a soft pull pre-qualification. The downside is that you can only use this card at Old Navy and certain affiliates, like the ... Mortgage pre-qualification is an informal evaluation of your creditworthiness and how much home you can afford based on self-reported information like your credit, debt, income and assets. Based ...Helping people access everyday needs. Sunbit technology is used by thousands of people every day to pay-over-time for unexpected expenses. It’s designed to approve 90% of people who apply with fair, transparent rates and no late fees, origination fees, or penalties. Sunbit is the kind, kind of payment. Find Sunbit Near You. Feb 23, 2023 · SoFi has pre-approval, but it only extends pre-approved offers via mail or e-mail, or to existing customers through their online account. SoFi does not have an online tool that interested consumers can use to check their pre-approval status. And unlike online pre-approvals that may return results for multiple cards with the highest odds of ... Apr 9, 2023 · At Lowe’s, you will need a minimum credit score of 620 based on the FICO system. If your credit score is lower than 620, you won’t be able to apply for a card with Lowe’s – but there are options! Luckily, FICO Scores are updated regularly to reflect consumer practices and financial status shifts. Repairing your credit score before ... Capital One VentureOne Rewards Credit Card. Finder Rating: 3.5 / 5: ★★★★★. Up to 5x miles. $0. 0% intro for the first 15 months (then 19.99% - 29.99% variable) Earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening. See rates & fees. Go to site.Get Credit Card Perks. Once you become a member, you’re eligible for Sam’s Club credit. Apply for a Sam’s Club Mastercard in one of two ways: Visit your local Sam’s Club location and fill out an application, or apply online. There are over 650 Sam’s Club locations in the U.S. and Puerto Rico, according to the corporate website.Home Depot Consumer Credit Card. The Home Depot Consumer Credit Card * is a store card, meaning it can’t be used outside of Home Depot. The card offers six months of special financing on ...A mortgage pre-qualification is the process where a lender reviews your self-reported income, debts and credit to determine an approximate loan amount you may be able to borrow. To pre-qualify for a mortgage means you meet a lender’s general guidelines based on the information you provide. Keep in mind, lenders may use different criteria to ...What's required to apply for the Sam's Credit Card? Must be a current Sam’s Club Member. Must be a U.S. Citizen. Apply in the club or at https://www.samsclub.syf.com . Where can I use my Sam’s Club Credit Card? Use your Sam's Club Mastercard anywhere that Mastercard is accepted. How do I pay my credit card bill? Mortgage pre-qualification is a review of your self-reported income, debts and assets by a lender to determine how you may be able to afford, the loan amount they may be willing to let you borrow based on their requirements and the loan programs available to you. Getting pre-qualified for a mortgage is optional and often considered the first ...Capital One VentureOne Rewards Credit Card. Finder Rating: 3.5 / 5: ★★★★★. Up to 5x miles. $0. 0% intro for the first 15 months (then 19.99% - 29.99% variable) Earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening. See rates & fees. Go to site.Forbes Advisor estimates that the household has $36,177 in expenses that can be reasonably charged to a credit card. At 2% cash back, the Synchrony Premier World Mastercard would earn $723.54 cash ...A mortgage pre-qualification is the process where a lender reviews your self-reported income, debts and credit to determine an approximate loan amount you may be able to borrow. To pre-qualify for a mortgage means you meet a lender’s general guidelines based on the information you provide. Keep in mind, lenders may use different criteria to ... Aug 8, 2023 · So this Sam’s Club credit card is best when used only for those bonus categories. After all, 1% is just the market average for a cash back card. No annual fee & no financing appeal. Neither Sam’s Club credit card charges an annual fee, which saves you $21.5 per year relative to the average credit card. Mortgage pre-qualification is a review of your self-reported income, debts and assets by a lender to determine how you may be able to afford, the loan amount they may be willing to let you borrow based on their requirements and the loan programs available to you. Getting pre-qualified for a mortgage is optional and often considered the first ... ITS APPROVED!! Many years ago I straight out applied and was denied... just couple weeks later I received the pre-approval in mail letter and was approved for $1500!! I have NEVER once seen someone get the pre-approval in mail, at register, in store anywhere and accept it and then be told no...Credit Application Login - Sam's Club. Skip to main content. Skip to footer. Help center. 1 day ago · 1.5 / 5. The Home Depot Credit Card is a $0 annual fee store credit card for people with fair credit or better. Because the Home Depot Credit Card does not offer regular rewards, its main benefits are a first-purchase discount and deferred interest financing promotions. Credit Card. 5 POINTS per $1 at the Camping World and Good Sam family of brands 1. 3 POINTS per $1 at private campgrounds & gas stations 2. 1 POINT per $1 everywhere else Visa® is accepted 2. 6 MONTHS SPECIAL FINANCING on in-store purchases over $299 at the Camping World and Good Sam family of brands 3. 2,000 BONUS POINTS the first time you ...Aug 23, 2023 · Prosper: Best for borrowers with good credit. Overview: Since its inception in 2005, Prosper has funded over 1 million personal loans that range from $2,000 to $50,000 and have APRs that start at ... No Interest if paid in full within 12 Months††. No minimum purchase required for Ashley Advantage™ Synchrony purchases. $1200 minimum purchase required for Ashley Advantage™ Great American Finance purchases. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 12 months.In terms of standard ongoing rewards, the Sam’s Club Mastercard offers a stellar 5 percent cash back on gas (up to $6,000 per year, then 1 percent), as well as 3 percent back on dining ($5,000 ...Mortgage pre-qualification is an informal evaluation of your creditworthiness and how much home you can afford based on self-reported information like your credit, debt, income and assets. Based ...Sam’s Club cards. These earn an impressive 5% on gas station purchases and 3% on dining and travel. If you already have a Sam’s Club membership then there is no annual fee and 5% is basically as good as it gets for gas station purchases. You can read our full review here. eBates card. This card earns 3% cash back on purchases made through ...SAM.gov The System for Award Management (SAM) is the Official U.S. Government system that consolidated the capabilities of CCR/FedReg, ORCA, and EPLS RV loan rates are generally below 36%, but they can be much lower if you have a good credit score, little existing debt and high income. Unsecured loan rates start around 6%, and your rate is ... Jan 5, 2023 · No, Citi cannot pre-qualify you for a credit card at the moment. Citi does have an online pre-qualification page, however, this tool is not currently working.While this seems like a temporary measure due to COVID-19, you’ll need to apply for Citi cards without getting pre-qualified until the page is functioning again. Aug 23, 2023 · Prosper: Best for borrowers with good credit. Overview: Since its inception in 2005, Prosper has funded over 1 million personal loans that range from $2,000 to $50,000 and have APRs that start at ... 10% back in rewards: *Get 2.5 points per $1 spent (5% back in rewards) on qualifying Best Buy® purchases when you choose Standard Credit with your Best Buy Credit Card. If you apply and are approved for a new My Best Buy® Credit Card, your first day of purchases on the Credit Card using Standard Credit within the first 14 days of account ...Credit Application Login - Sam's Club. Skip to main content. Skip to footer. Help center.By checking this box, you agree that you have read and consent to "Electronic Communications" in the consent form activated by clicking the plus sign above which provides information about your pre-approval, and if approved, your Discover card account disclosures electronically rather than by paper. It also gives you the right to receive the ...How do I prequalify and apply for a CareCredit credit card? The easiest and fastest way to see if you prequalify for CareCredit is to use this link. You will get the prequalification decision within seconds and, if you prequalify, you can apply right away, with confidence. You can also apply over the phone, toll free, at (800) 677-0718. If you ...Already have an account? LOG BACK IN HERE. If you would prefer to speak to someone by phone to prequalify for a mortgage or discuss refinancing options, please call us at 1.877.621.4663.Ultimate Support MDS-100 Modular Device Stand. $67.99. Ultimate Support MC05 Round Base Straight Microphone Stand. $40.99. Ultimate Support MC-40B Pro Microphone Stand. $52.99. Ultimate Support MC-40B Pro 3-Pack Mic Stand with Boom, Black. $129.99. Ultimate Support Nucleus-Z Navigator Fully Expanded Workstation Desk. Pay Online. Pay your Discount Tire credit card online at Synchrony's website. visit website. Mail To. Synchrony Bank. P.O. Box 960061. Orlando, FL 32896-0061. Our Mobile App. You can access your statement and make a payment via our app. Helping people access everyday needs. Sunbit technology is used by thousands of people every day to pay-over-time for unexpected expenses. It’s designed to approve 90% of people who apply with fair, transparent rates and no late fees, origination fees, or penalties. Sunbit is the kind, kind of payment. Find Sunbit Near You. Here are the top Comenity Bank Credit cards based on what they had to offer. Cardholders receive several benefits simply by charging the things they would normally purchase. Orbitz Rewards Card: Frequent travelers benefit from the Orbitz Rewards card. Travelers may receive points for any type of travel.Soft Pull Pre-Qualify - https://www.samsclub.com/content/creditApply for BlockFI - https://tinyurl.com/blockfi-creditplugSign up for M1 Credit Card - https:/... Mortgage pre-qualification is an informal evaluation of your creditworthiness and how much home you can afford based on self-reported information like your credit, debt, income and assets. Based ...Written by: Eric Bank. Edited by: Lillian Guevara-Castro. Reviewed by: Ashley Fricker. Updated: August 30, 2023. In this review of pre-approved credit cards by issuer, we describe how to get a credit card with a minimum of fuss. We look at the pre-approval processes of five major card issuers: Capital One, Chase, Discover, American Express, and ...SHOP NOW. 0% APR for 48 months on eligible TVs ⊕. SHOP NOW. 12 months financing on home appliances †. SHOP NOW. 6, 12 or 24 month financing terms on orders over $50 or more ±. SHOP NOW. ⊕ 0% APR for 24, 36, 40 or 48 Months with Equal Payments: Available on purchases of select products charged to a Samsung Financing account. Show More.Re: Sam's Club Pre Approval question. Mine was about two years ago. Went through Groupon then got the pre-approval while at Sam's signing up for the membership. Started with a $5,000 MC. Be prepared for lots of emails from Groupon in the future. We've been through a several year period of easy credit and I just wonder what will happen when the ...Jun 21, 2021 · Evelyn Boros, Credit Cards Moderator. You can check on your Sam's Club® Credit Card application status over the phone, or by dialing (800) 964-1917. You'll need to provide either your social security number or your application reference number. If the issuer denied your application, there's still some hope left. Nov 13, 2019 · You get 5% back on the first $6,000 per year on fuel purchases, including those at Sam’s Club locations. After $6,000, the fuel cash back drops to 1%. You get 3% back on qualified travel and dining purchases. You earn 1% back on any other purchase. There are no foreign transaction fees or annual fees for this card. Feb 23, 2023 · SoFi has pre-approval, but it only extends pre-approved offers via mail or e-mail, or to existing customers through their online account. SoFi does not have an online tool that interested consumers can use to check their pre-approval status. And unlike online pre-approvals that may return results for multiple cards with the highest odds of ... Ultimate Support MDS-100 Modular Device Stand. $67.99. Ultimate Support MC05 Round Base Straight Microphone Stand. $40.99. Ultimate Support MC-40B Pro Microphone Stand. $52.99. Ultimate Support MC-40B Pro 3-Pack Mic Stand with Boom, Black. $129.99. Ultimate Support Nucleus-Z Navigator Fully Expanded Workstation Desk. 1 day ago · 1.5 / 5. The Home Depot Credit Card is a $0 annual fee store credit card for people with fair credit or better. Because the Home Depot Credit Card does not offer regular rewards, its main benefits are a first-purchase discount and deferred interest financing promotions. Excellent consumer credit card - 10* for sure... Credit Karma Member. Started with 2K credit when my scores were high 500s and some low 600s some 3+ years ago. Not upgraded to MasterCard yet but contacted Synchrony today 10/02/21 about any possibilities of CLI out of curiosity and boom ... Sams Club ( Synchrony ) instantly tripled it to 6K.Sam's Club Credit Online Account Management. Not sure which account you have? click here. Credit Account Type Lookup. Account Number: ©2020 Synchrony Bank ...The AvantCard Credit Card offers a chance to build credit without a security deposit. You can determine your odds of approval through the card's pre-qualification process. The card offers a credit ...May 16, 2023 · The Old Navy Visa Card takes a score of 700 or better. The store will do a soft pull pre-qualification. The downside is that you can only use this card at Old Navy and certain affiliates, like the ...
SAM.gov The System for Award Management (SAM) is the Official U.S. Government system that consolidated the capabilities of CCR/FedReg, ORCA, and EPLS. Koepsell murray funeral and cremation services beaver dam wi
Sam’s Club Plus Members Get Rewarded Twice When They Shop In-Club. Sam’s Club, (NYSE: WMT), a leading membership warehouse club, Synchrony, (NYSE: SYF), a premier consumer financial services company, and Mastercard, (NYSE: MA) a global technology company in the payments industry, announced today a new Sam’s Club Mastercard rewards program that provides additional value for cardholders ...Get Credit Card Perks. Once you become a member, you’re eligible for Sam’s Club credit. Apply for a Sam’s Club Mastercard in one of two ways: Visit your local Sam’s Club location and fill out an application, or apply online. There are over 650 Sam’s Club locations in the U.S. and Puerto Rico, according to the corporate website.Sam’s Club ® Credit Card. Earn 5% back in Sam’s Cash on gas anywhere Mastercard is accepted (on first $6,000 per year, then 1%).*. Earn 3% back in Sam’s Cash on Sam’s Club purchases for Plus members. Club members earn 1%.*. Earn 3% back in Sam’s Cash on dining and takeout.*. Earn 1% back in Sam’s Cash on other purchases.*. A variable APR of 20.49% - 29.24% on balance transfers and purchases after the introductory period ends. Lower your interest rate by 2% each year. Automatically be considered for an APR reduction when you pay on time, and spend at least $1000 on your card by your next account anniversary. Raise your credit limit.Home Depot Consumer Credit Card. The Home Depot Consumer Credit Card * is a store card, meaning it can’t be used outside of Home Depot. The card offers six months of special financing on ...Credit Card. 5 POINTS per $1 at the Camping World and Good Sam family of brands 1. 3 POINTS per $1 at private campgrounds & gas stations 2. 1 POINT per $1 everywhere else Visa® is accepted 2. 6 MONTHS SPECIAL FINANCING on in-store purchases over $299 at the Camping World and Good Sam family of brands 3. 2,000 BONUS POINTS the first time you ... ITS APPROVED!! Many years ago I straight out applied and was denied... just couple weeks later I received the pre-approval in mail letter and was approved for $1500!! I have NEVER once seen someone get the pre-approval in mail, at register, in store anywhere and accept it and then be told no...Sam’s Club Plus Members Get Rewarded Twice When They Shop In-Club. Sam’s Club, (NYSE: WMT), a leading membership warehouse club, Synchrony, (NYSE: SYF), a premier consumer financial services company, and Mastercard, (NYSE: MA) a global technology company in the payments industry, announced today a new Sam’s Club Mastercard rewards program that provides additional value for cardholders ...January 2, 2023 • Credit Cards. If you currently have a store credit card or have thought about getting one, there’s a good chance that it’s from Synchrony Bank. With more than 85 years of experience in the financial services industry, Synchrony partners with well-known retail brands across the country. The Capital One® Walmart Rewards™ Mastercard can be used for Walmart purchases and anywhere else that Mastercard is accepted. The Walmart Rewards™ Card can only be used for Walmart purchases (Walmart.com, in the Walmart App (s), in stores, and at Walmart and Murphy USA Gas Stations).For more information call Citibank at 1-877-625-6382 (For TTY: Use 711 or other Relay Service). New York residents may contact the New York State Department of Financial Services at (800) 342-3736 or www.dfs.ny.gov for comparative information on credit card rates, fees and grace periods. RV loan rates are generally below 36%, but they can be much lower if you have a good credit score, little existing debt and high income. Unsecured loan rates start around 6%, and your rate is ....