http://ficoforums.myfico.com/t5/Credit-Cards/Anyone-notice-their-creditors-modifying-terms/m-p/1648170#M455958 <p>This is something that I'm not necessarily complaining about, but find interesting as it has happened now on three of my cards, from three different lenders. </p><p> </p><p>1.) My Bank Americard Privileges with Travel Rewards had not intro offer. I was well prepared to pay the $75 AF at the start. About a week later, I logged in to my account and saw a credit of $75 posted as an AF adjustment. </p><p> </p><p>2.) My Chase Freedom card was approved at I believe 22.99%. When I applied, there were not special offers, other than the spend $500, get $100 back. I have been conservative in using my CC's as I am trying to pay them down. I have spent probably $300 or so, unfortunately. When I received my welcome information, I saw I had a 22.99% on purchases and BT's. There was no info on a special intro rate. So I logged in a few days ago to see I had the extra $100 in my UR account as well as a 0% intro rate. Now I see that any new approvals are receiving 0%. </p><p> </p><p>3.) My Amex Hilton Hhonors Surpass only had the 40,000 bonus points after your first purchase as a sign up offer. Same story here. There was no mention of a special intro APR, yet mine is currently 0% and my AF was waived as well. </p><p> </p><p> </p><p>I'm not complaining about this, if anything they're saving me some cash. But still, I found it interesting that this occurred. Could it be possible they waived it as I am an existing customer?</p> Wed, 17 Oct 2012 17:20:07 GMT logan_720 2012-10-17T17:20:07Z http://ficoforums.myfico.com/t5/Credit-Cards/Anyone-notice-their-creditors-modifying-terms/m-p/1648170#M455958 <p>This is something that I'm not necessarily complaining about, but find interesting as it has happened now on three of my cards, from three different lenders. </p><p> </p><p>1.) My Bank Americard Privileges with Travel Rewards had not intro offer. I was well prepared to pay the $75 AF at the start. About a week later, I logged in to my account and saw a credit of $75 posted as an AF adjustment. </p><p> </p><p>2.) My Chase Freedom card was approved at I believe 22.99%. When I applied, there were not special offers, other than the spend $500, get $100 back. I have been conservative in using my CC's as I am trying to pay them down. I have spent probably $300 or so, unfortunately. When I received my welcome information, I saw I had a 22.99% on purchases and BT's. There was no info on a special intro rate. So I logged in a few days ago to see I had the extra $100 in my UR account as well as a 0% intro rate. Now I see that any new approvals are receiving 0%. </p><p> </p><p>3.) My Amex Hilton Hhonors Surpass only had the 40,000 bonus points after your first purchase as a sign up offer. Same story here. There was no mention of a special intro APR, yet mine is currently 0% and my AF was waived as well. </p><p> </p><p> </p><p>I'm not complaining about this, if anything they're saving me some cash. But still, I found it interesting that this occurred. Could it be possible they waived it as I am an existing customer?</p> Wed, 17 Oct 2012 17:20:07 GMT http://ficoforums.myfico.com/t5/Credit-Cards/Anyone-notice-their-creditors-modifying-terms/m-p/1648170#M455958 logan_720 2012-10-17T17:20:07Z