Had a run in pretty much all of last decade with cancelled accts due to inactivity and then didn't have a cc for a long time. As of this year, I have procured four.
How often do existing cc lenders do SPs to monitor your credit? Mine just went up to like 800 (which, w/e!) and I was wondering if the lender sees it if they might offer me a lower interest rate or higher CL. I prefer my Discover card over this other lower rate/higher CL card I have. Discover refuses to consider a CLI for several months and an APR revue for a year. I don't want to use my other non-store card due to politics of the lender. Discover ever do SPs to monitor their customers and adjust the offer?
Thanks guys!
@message_from_god wrote:Had a run in pretty much all of last decade with cancelled accts due to inactivity and then didn't have a cc for a long time. As of this year, I have procured four.
How often do existing cc lenders do SPs to monitor your credit? Mine just went up to like 800 (which, w/e!) and I was wondering if the lender sees it if they might offer me a lower interest rate or higher CL. I prefer my Discover card over this other lower rate/higher CL card I have. Discover refuses to consider a CLI for several months and an APR revue for a year. I don't want to use my other non-store card due to politics of the lender. Discover ever do SPs to monitor their customers and adjust the offer?
Thanks guys!
Good job on the great new credit score! 
I recently got an APR reduction with Discover (I did a thread on it as well). My account was opened last year when I still had a couple of baddies and a lower score; my reports are now baddie-free and my score is quite a bit higher as well.
Since my 0% new account promo expired last month, I went on chat and asked for a reduction... they were able to reduce my APR from 20.24% to 16.49%. The rep encouraged me to check back again for another reduction in the future... I failed to ask how soon I could ask, but the members on here have told me I should be eligible again in six months.
If you're still on your 0% promo they won't be able to lower your rate yet, but once it expires I would call/chat with them to see what they could do... I have a feeling you won't be disappointed! 
Congrats on reaching the 800 club! 
@UncleB wrote:
@message_from_god wrote:Had a run in pretty much all of last decade with cancelled accts due to inactivity and then didn't have a cc for a long time. As of this year, I have procured four.
How often do existing cc lenders do SPs to monitor your credit? Mine just went up to like 800 (which, w/e!) and I was wondering if the lender sees it if they might offer me a lower interest rate or higher CL. I prefer my Discover card over this other lower rate/higher CL card I have. Discover refuses to consider a CLI for several months and an APR revue for a year. I don't want to use my other non-store card due to politics of the lender. Discover ever do SPs to monitor their customers and adjust the offer?
Thanks guys!
Good job on the great new credit score!
I recently got an APR reduction with Discover (I did a thread on it as well). My account was opened last year when I still had a couple of baddies and a lower score; my reports are now baddie-free and my score is quite a bit higher as well.
Since my 0% new account promo expired last month, I went on chat and asked for a reduction... they were able to reduce my APR from 20.24% to 16.49%. The rep encouraged me to check back again for another reduction in the future... I failed to ask how soon I could ask, but the members on here have told me I should be eligible again in six months.
If you're still on your 0% promo they won't be able to lower your rate yet, but once it expires I would call/chat with them to see what they could do... I have a feeling you won't be disappointed!
+1