Credit Card Gardening

[Anonymous]

I'm working on getting the best credit card portfolio. I want to keep all my current cards but don't want any additional inquiries. I'll post my info below, and maybe I can get some help on which cards I can increase the CL without an inquiry, and which cards I can ask for a better APR.

Chase Freedom Visa - 17.99% - $2,000 Since 2007

Citi Dividend MC - 22.99% - $3,850 Since 2005

AA Citi Visa Sig - 19.99% - $5,5000 Since 11/2011

AE Outfitters Store Card - 24.99% - $950 Since 2005

Best Buy Reward MS - 21.99% - $350 Since 10/2008 (sees minimal love due to the low credit line)

Bank of America Visa- 24.99% - $1,850 Since 2007 (since no love, bc it offers no rewards)

Which card has room for improvement?

[Booner72]

Wow.  You have good scores and your interest is so high.  Have you considered getting a credit union cc?  We just got a CLI on ours and an APR drop to 11%, and my scores are nowhere near as good as yours are.

(I know this wasn't the question, but thought I'd throw it out there anyway).

[Repo-ed]

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@Booner72 wrote:

Wow.  You have good scores and your interest is so high.  Have you considered getting a credit union cc?  We just got a CLI on ours and an APR drop to 11%, and my scores are nowhere near as good as yours are.

(I know this wasn't the question, but thought I'd throw it out there anyway).

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My very first thought as well.

[LS2982]

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@Booner72 wrote:

Wow.  You have good scores and your interest is so high.  Have you considered getting a credit union cc?  We just got a CLI on ours and an APR drop to 11%, and my scores are nowhere near as good as yours are.

(I know this wasn't the question, but thought I'd throw it out there anyway).

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Good advice!

[Anonymous]

I don't understand it either. Most of those APRs were the same since I opened the credit.

[Repo-ed]

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@Anonymous wrote:

I don't understand it either. Most of those APRs were the same since I opened the credit.

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I mean, if you don't carry balances, then it really doesn't matter.

[Anonymous]

Have you tried contacting the credit card companies and ask if they would consider lowering your interest?

Of course, this assumes that you have not had any payment issues with them. My boyfriend was able to get his Best Buy CC interest reduced because of timely payments and length of history.

Like the others, I would encourage joining a credit union AFTER you have shopped around for rates. They may even offer a balance transfer at 0% so you can pay off those high-interest puppies and sock drawer them

[Anonymous]

The APR doesn't really affect me that's why I never really cared about it. But I just want to have the best available to me.

I've never been late on any payments.

I will try the best buy card. I will let yall know.

[Anonymous]

Best Buy has no APR reduction at this time, and he wasn't sure whether a CLI would be a HP so I declined that.

[Repo-ed]

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@Anonymous wrote:

Best Buy has no APR reduction at this time, and he wasn't sure whether a CLI would be a HP so I declined that.

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Do a search around here. I believe the Best Buy card will just be a SP for a CLI request.