A question: With the 4 CL increases, were they automatic or did you request them? I also have 2 OB cards for over 3 years and I've never received any auto increase, although I've never requested any either...in any case, I don't care for OB as last year I went over the limit on both cards on account of the AF's (didn't pay attention to these things at the time) and I lost my 9.9% APR and they punished me with 27.9%. I called to request a rate reduction a few months ago and was denied. How often can one call these CC's before they catagorize you in the PITA file, I wonder. . ?
July 08 FICO TU/683 EQ/629 EX/658 Goal: 700+ by June 09 Freedom is just another word for nothing left to lose.
yeah i know, i am generally not bothering with the sub prime "starter" cards anymore, i want to close my hooters 24.9apr, credit one22.9apr, and Orchard 14.9 apr. but i have the history i want to keep on these, so basically in sock drawer....but always trying to lower apr....Navy, Justice, BofA, Barcleys, are the ones i use..
just wanted to see if i could get the 8.9 apr from OB...but too much work