Started an online chat to see about a lower APR, and was met with a 2% lower rate or 0% for 12 months. It's like a new card all over again.
Sweet! 
@knhorn wrote:Started an online chat to see about a lower APR, and was met with a 2% lower rate or 0% for 12 months. It's like a new card all over again.
I'd have taken the lower rate and used a BT instead. 
I'd prefer the 0% offer. You could always ask for a lower rate later
@Anonymous wrote:I'd prefer the 0% offer. You could always ask for a lower rate later
You can always ask for 0% offer. 
I'll take the account terms betterment.
If I have a 0% APR for the next year then getting a lower APR isn't a current priority. Not like a lower APR affects my credit report in any way To each their own Nix
@Anonymous wrote:I'd prefer the 0% offer. You could always ask for a lower rate later
That's what the online chat rep said. I even asked if accepting would disqualify me for a future decrease.
@Anonymous wrote:If I have a 0% APR for the next year then getting a lower APR isn't a current priority. Not like a lower APR affects my credit report in any way
Okay.
0% APR.
First you're worried about utilization, now you're not?
@Anonymous wrote:
@Anonymous wrote:If I have a 0% APR for the next year then getting a lower APR isn't a current priority. Not like a lower APR affects my credit report in any way
Okay.
0% APR.
First you're worried about utilization, now you're not?
Hush up lol That's a different situation entirely