@newhis wrote:
@TiggerDat wrote:
I just got 3 more APRs reduced because of your thread. I will try for more reductions tomorrow.
Remember, regardless of what it starts out at, many banks will either lower it upon request if you meet some qualifications or some will reduce iton their own.
Everyone should ask, even if you PIF each month.
+1. I was able to lower by BoA 4% and Discover 2%. Chase was a no-go.
OP, about APR, Cap1 pre-qual site now is giving me 17.9% again, I guess that is because they see the HP and new account from them. I bet they will give me a better APR in a few months.
Maybe it is me, but it seems like CapOne will only lower it for a few months. I call them every few months to lower it again. I think they do that as part of thier overall plan to get more interest. You forget that the APR was only a temporary thing and then they get more in interest when it is over. I think you have to call the EO to do a permanent reduction.
It is by will alone I set my mind in motion.....
Always follow these rules: Only take a HP for a new account. Always use the best rewards card for that reward category. Don't close a card unless you know you really should. Never use more than 35% of a credit limit. Recon as much and as best you can. Use the introductory period to the best advantage. Get the signup bonus. Whenever possible PIF or balance transfer so you pay less in interest. Never give an excellent rating when it is actually the norm. Always look for a discount as more is always better.
Always accept candy from strangers because they have the best candy or from people you know have good candy.
