There has never been a better time to start earning points with the
Harley-Davidson® Visa Signature® card. Get 0% Intro APR¹ on
Purchases and Balance Transfers for 12 billing cycles.
After that, a variable APR applies, currently 14.24% - 23.24%¹.


Got this email from the MoCo today. They treat us just like family.

Why should they try to make money on innovative motorcycles when they can nail you for 23.24%

 

Even the 14.24% is a bend over rate.

 

Yeah, my wife says I've probably spent as much using that card at dealerships as I did on buying the bike.

 

I use mine a lot and pay it off every month. And it helps when I use the points for "repairs".

 

Guys, you should know that credit cards are only to be used if you are going to pay off the balance in full or for large purchases in a short a time as possible.

I am not defending the credit card companies but if you want lower interest rates then you need to find a card that doesn't offer rewards or cash back because the little secret is if you are not paying the balance in full every month then you are paying yourself. Also, they do get beat for fraud and non-payment of the debt more than you know. Once again, we pay for the deadbeats.

Also, having the best credit score will pay dividends in many ways besides getting you the lowest finance rates. Did you know your bike and auto insurance rates take your credit score into consideration on what you pay? Also, potential and current employers have the right to check on that too. A shame to lose out on a good job because you don't pay your bills on time.

The key is to don't have more than two credit cards, pay them in full every month and make sure your car, bike and mortgage payments are on time.

 

Nobody is forcing you to get a Harley Visa card that pays points on purchases. If you can't pay off balance monthly you don't need that particular card in your wallet.

 

I have the HD Visa card and pay 0% interest every month. However, I pay the balance every month. I like the rewards on this card. There are other rewards cards with air miles or car manufaturer rewards, but with those I wouldn't reap the benefits. Theres always something for the bike.

 

I also use the card & pay it off every month, just like I do with my other CC. I like the rewards points.

 

Yep. I used mine for business. Pay it off each month with my expense check. Got a lot of stuff with those Chrome Cash points over the years.

We have a Hilton Honors Card for our personal use. We treat it like our bank check card. Pay it weekly. So we ride the Harley some where & stay free! LOL.

 

I use credit cards, sometimes my Harley Visa, sometimes my State Farm Visa, sometimes other cards, this month my Sears Citi MasterCard because it is paying 10X points, for most of my purchases usually made with cash. As long as it is money being spent anyway, I might as well get a Harley gift card, State Farms bucks, gift cards, or cash back.

As long as the card is paid in full every month there is no interest.