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Lowered APR? When to ask?

Contributor

Lowered APR? When to ask?

I opened a Bank of America secured card last june.. How long should I want to ask for the APR to be lowered?

 

I have been PIF every month, but it would just be nice to not be so nervous about a just-in-case-i-do-leave-a-balance scenario.


Starting Score (Aug 2010): EX637 EQ641 TU 650 (FAKO)
Current Score (Sep 2010): EX664 TU663 EQ677 (FAKO) // TU FICO® 651 EQ FICO® 657
Goal Score: 720

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Senior Contributor

Re: Lowered APR? When to ask?

I would not ask, until the card in unsecured.

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