Lowest C1 Standard Apr?

youngandcreditwrthy · ‎02-06-2013

My C1 currently stands at 13.9% - I always pif..so it doesn't matter, but in the event that I'd need to use one of their handy dandy blank checks or s'thin', I'd like to have a single digit rate... Like <10%.

What are the rates everyone here has?

I'm considered emailing the EO for a reduction to like 7.9 or 8.9%. I might even address my letter to a specific person in the EO since,thanks to this forum, I have that connection now ;-) LOL.... I used to have like a 8-9% rate before the lame Great Recession! Lol

jsucool76 · ‎02-06-2013

Mine is like 18.9 but there is definitely someone on here who has a 7 or an 8.read about it but cant remember who.

SwiftTone · ‎02-06-2013

I have 7.2% on my Cap1. I don't use it...at all because of the $1000 CL. I will be contacting the EO about a CLI soon, and closing my other Cap1 with a $1250 CL. Hoping for a new total CL of $10,000!!

AMEX: $25,000, CSR: $10,000, Chase Priority Club: $1,500, Freedom: $5000, Freedom Unlimited: $1000, Discover: $21,000, BoA $11,000, WF Cash Wise: $5000

EQ FICO - 753
TU FICO - 755
EX FICO(AMEX) - 766

chan85 · ‎02-06-2013

@youngandcreditwrthy wrote:
My C1 currently stands at 13.9% - I always pif..so it doesn't matter, but in the event that I'd need to use one of their handy dandy blank checks or s'thin', I'd like to have a single digit rate... Like <10%.

What are the rates everyone here has?

I'm considered emailing the EO for a reduction to like 7.9 or 8.9%. I might even address my letter to a specific person in the EO since,thanks to this forum, I have that connection now ;-) LOL.... I used to have like a 8-9% rate before the lame Great Recession! Lol

13.9!? What I wouldn't give for that! I actually just emailed the EO office Monday and I talked with them today about dropping my rate down. They said the lowest offer available for me was 19.99!! And that was only on one of my cards! The other one already has that rate so there is nothing they can do, but they said they would check on waiving my annual fee for me.

I wish I understood how they decide who gets what rate! 13.9 would be amazing!

Current Debt Management:
$15k Trinity Financial Management (scheduled pay off late 2021)
$10k NFCU
$350/mth Bridgecrest Auto Loan
Goals: Pay off credit card debt & buy a new home before end of 2020

Long Term Debt:
Fed Loans - $150k
Navient - $100k

Taking a "if God don't do it, it won't get done..." approach to paying these off.

youngandcreditwrthy · ‎02-06-2013

Wow!!' 7.2%?!?!!! That's great! I want to ask for $10k next. I have a $5000 cl currently, courteousy of my 6+ years of perfect C1 history and the EO. Lol

13.9 is def my lowest purchase apr! Second lowest is like 19.99% I think!

I also have 1.25% cash back on everything!