No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
@Anonymous wrote:
@longtime_lurker wrote:
@Anonymous wrote:
@longtime_lurker wrote:@Anonymous wrote:
@longtime_lurker wrote:
@FinStar wrote:
Well, with Barclays, if one falls into a specific risk "bucket" based on their review or assessment of your overall credit profile (plus income and other criteria), then that's how some APRs will be assigned. It's all about risk-based pricing. If one has too many inquiries, new accounts, balances that seem high in proportion to overall lines, etc., then one would not expect to get approved with the best terms
It's just odd to me that I'm tier 1 on SM and lowest tier on Aviator . Like, nah much safer spending about 3x more of a CL than he has on Aviator...
I did add 2 AMEXs that were backdated to 1/13 and my Cash + since getting SM, so I can understand that reasoning. I know that my backdating is easily seen by an underwriter
I'm calling in the morning as well to try for lower APR on my AA card as well as SP CLI. Im at 24.99 on that card and 13.99 on SM.
Well good luck! I think it's weird that U/W isn't who does APR reductions. I set my CA limit to 1 through U/W today, and he had to transfer me to another department. If I'm not mistaken, you get transferred to rentention - which doesn't make any sense to me. One would think, in my head anyways, that U/W is determining risk so U/W should determine APR reductions.
I agree strange. I'm also calling to set my limit to on cash back. Did you fund Citi with it?
Yes I did! I did 2000/2500, I figured I wouldn't max the individual card.
How much did you fax in for on the auth?
I haven't done anything yet. Doing all that tomorrow and haven't decided on amount yet. Not going to go crazy though
I'm sure whatever you decide will go through no issues. There are reports of people who have run the full CL with no issues...one guy had a 20k limit, and he got 30k AA miles for funding the account LOL
I got my SM January 29, 2015 @ $9,600 @ 20.99%
i called Saturday night and they lowered my APR to 16.99%
i was told to call back in 30 - 60 days for a SP Cli
call CSR and once you ask about your APR being reduced then they will transfer you.