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Valued Member
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
Posts: 2,789
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 816 EX 780 TU 823
App free since 4/11/13
Valued Member
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)
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