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Thought I'd pass along some info from my live chat session with NASA:
Me: I was wondering something. My current credit limit is $25,000 and my APR is 10.90%. Is it possible to lower the APR and/or raise the credit limit without making a hard pull on my credit report? | 9:27:14 AM |
NASA: We wouldn't be able to lower the rate without the credit pull. If your card has been open for more than a year, and you have not had any increases in the last year you may qualify for a $1000 increase without the credit check. |
FYI for current or future NASA members.
@lhcole77 wrote:Thought I'd pass along some info from my live chat session with NASA:
Me: I was wondering something. My current credit limit is $25,000 and my APR is 10.90%. Is it possible to lower the APR and/or raise the credit limit without making a hard pull on my credit report? 9:27:14 AM NASA: We wouldn't be able to lower the rate without the credit pull. If your card has been open for more than a year, and you have not had any increases in the last year you may qualify for a $1000 increase without the credit check.
FYI for current or future NASA members.
Were you approaching your entire $25K? Or, was this merely an experiment in the name of science? Looks like the APR you have is pretty decent though (lowest is 9.9% on the Platinum Advantage Rewards).
@lhcole77 wrote:Thought I'd pass along some info from my live chat session with NASA:
Me: I was wondering something. My current credit limit is $25,000 and my APR is 10.90%. Is it possible to lower the APR and/or raise the credit limit without making a hard pull on my credit report? 9:27:14 AM NASA: We wouldn't be able to lower the rate without the credit pull. If your card has been open for more than a year, and you have not had any increases in the last year you may qualify for a $1000 increase without the credit check.
FYI for current or future NASA members.
Thanks For Sharing.
@FinStar wrote:Were you approaching your entire $25K? Or, was this merely an experiment in the name of science? Looks like the APR you have is pretty decent though (lowest is 9.9% on the Platinum Advantage Rewards).
LOL! In the name of science.
And I've become a big fan of APR reductions so was seeing what the process was on that. 10.9% is good...but less than that is gooder
@lhcole77 wrote:Thought I'd pass along some info from my live chat session with NASA:
Me: I was wondering something. My current credit limit is $25,000 and my APR is 10.90%. Is it possible to lower the APR and/or raise the credit limit without making a hard pull on my credit report? 9:27:14 AM NASA: We wouldn't be able to lower the rate without the credit pull. If your card has been open for more than a year, and you have not had any increases in the last year you may qualify for a $1000 increase without the credit check.
FYI for current or future NASA members.
Thanks for the info.