Reply
Valued Member
agent_bob
Posts: 49
Registered: ‎02-22-2013
0

BofA PC and apr reduction!

[ Edited ]

hi everybody.
I would just like to say thank you to the forum / boards for allowing people to learn more about a little thing we call credit.

I was able to gain the knowledge of what to do, how to negotiate, and what to do for my future. I never knew that you could PC.

I'm just posting about my recent endeavor with Bank of America. here is a bit of background info. BofA was my first credit card back in Oct 10 and I was able to get an initial CL of $800 with an apr of 17.24% In 11/2012 I got an automatic CLI to $1,800. it was the power rewards. Earlier this week I was able to successfully PC it to the cash rewards 123 AND get an apr reduction down to 15.99% It's not much of an APR reduction, but I'll gladly take it.

The only few cards I've been eyeing are the CSP but I know that is not possible because none of my CL are even close to $5k. the other CC is the discover it. Do any of you have CC recommendations for me?

I'm just planning to sock drawer this card & use it for gas after march (due to chase's 5% back) my chase freedom card is my primary use. Also going to continue to garden until the end of the year when I hope to get a job after graduating.

 

Thanks for your time!


how to cancel free trial of score watch
Discover IT - $2500 (3/13) | Chase Freedom - $400 (12/12) | BofA 123 Cash - $3800 (10/10)
Valued Contributor
Epcot
Posts: 2,784
Registered: ‎10-10-2012
0

Re: BofA PC and apr reduction!

Congrats on the PC and reduction in APR.

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 809 EX 774 TU 805
App free since 4/11/13
Valued Member
agent_bob
Posts: 49
Registered: ‎02-22-2013
0

Re: BofA PC and apr reduction!


Epcot wrote:
Congrats on the PC and reduction in APR.

thanks ! I'm hoping my freedom will grow with me just like my BofA card.


how to cancel free trial of score watch
Discover IT - $2500 (3/13) | Chase Freedom - $400 (12/12) | BofA 123 Cash - $3800 (10/10)

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}