Hello:
I been lurking for a while and reading alot... so this few past days I started calling the backdoor numbers to see how my numbers played..
I currently running on TU : 751 (Fico) EQ 756( Fico) Ex 776 (FAKO, is this even real ? lol)
First called BofA for a interest rate reduction... i got a 2% reduction.. i took it until i lower my util with them to <10 or pif... I was amazed that i got that small number.. This card had a 25% utilization at the moment I called. This was a SP... CLI here is always a HP
After that I called GE bank for the same matter but that CSR told me that line was only for CLI, after inquiring if it was a SP I asked for a 10k rise. haha .. well they only gave me a 1.5k raise.. I took it .. this card is a Banana Rep. and is PIF . went from 2.5k to 4k.
Later I went to the PenFed website to check my eligibility to join them and search for one of those cards.. Well I joined and received the info for a new account. This financial group does a HP on EQ just for opening the account. lets see how this journey ends.....
I just wanted to put this info out so It can be help full and see if I get advice to learn from my mistakes during this type of process.
Sounds like a Taylor Swift kind of love story....lol
I forgot to mention that in GE Bank the CSR told me that they dont negotiate APR... that it has been a policy for more than 5 years .. is this true ?
anyone can confirm this ?
i wounder if i should recon that limit on the BR card