Funk-O-Meter wrote:Decided to join the gardening club yesterday after apping for cards and car shopping but tried for a CLI for my Chase Freedom as my last act before picking up the trowel. I was declined. I'd never tried for a RECON before so just now I figured I had nothing to loose and I'd already wasted a hard pull so I called the backdoor RECON number and the CSR approved me for a 3X CLI to 3K in 10 minutes! I like Chase. A far cry from Orchard/C1 I just kicked to the curb.
Sweet sweet success..
The more I play the credit game the more It intrigues me and the more fun it becomes. And I haven't even started collecting airline miles yet
CONGRATS!!!
I like what i'm seeing about Chase as far as CLI's go. Thinking about going for it beginning of the year.
Funk-O-Meter wrote:Imua what's your secret to low APR's? Is your score around > 750?
Is there every a chance a CSR could ever lower an APR?
My chase was my first prime card so I understand why I got the highest APR in the range. Before that I just had an $500CL Orchard starter which irronically had the lowest APR I've had at 17%
Regardless of the APR I like to PIF. over the last 3 years I've paid less then $30 in interest over all my cards and that's from running them up on vacation.
*snip*
i pulled myFICO scores the day after my BofA BankAmericard was approved - TU=777 , EQ=793. My quarterly scores form BofA Privacy Assist arrived the next day, and those scores were close to the FICO scores - TU=798 , EQ= 793, and EX=780. (I pulled the real FICO scores at that time knowing my Privacy Assist scores were coming soon because i wanted to see how close those were to the 'real' FICO scores).
I have worked very hard to rebuild my credit over the past several years!. Like you, I PIF all of my cards every month regardless of the APR... but it's nice to know if I HAD to carry a balance for a month or two, I would probably carry it on my lower interest Chase Freedom. When I started my re-building journey, I vowed to NOT apply for any cards with an AF and I wasn't concerned what my interest rate would be because I vowed to always PIF.
I don't know if CSRs have authority to lower APRs.... maybe someone else can answer that 
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