CLI and APR reduction info from NASA

lhcole77 · ‎11-21-2014

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.

FinStar · ‎11-21-2014

@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).

Anonymous · ‎11-21-2014

@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.

lhcole77 · ‎11-21-2014

@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

uswala · ‎11-21-2014

@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.