Re: Sportsmans Guide Visa - APR Reduction - myFICO® Forums - 4758104

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I've had this card for about 18 months now... I got it at the beginning of actively working to improve my credit... I got the standard Comenity APR of 25.24. On a whim yesterday, I sent a secure message asking if there were any offers available to reduce my APR, and surprisingly, they actually dropped it 3% to 22.24.

Yeah, still high, but its nice to see movement in the right direction.

NFCU MR: $25K | Venture: $21K | Amex ED: $18K | NFCU CR: $18K | Amex BCE: $15K | IT #1: $17.5K | PNC Core: $15K | PPMC: $12K | Wells Fargo: $11K | Savor: 12K | Cap1 QS: $8.5K | Barclays Rewards: $7.75K | IT #2: $7.3K | MLife: $9.5K | Sportsman's Guide: $8.7K | PenFed PR: $5.5K | Elan Plat: $2.3K | TRV: $3.6K | BotW: $3K

Current FICO 8 Scores: EQ: 828| TU: 805 | EX: 814

Graph of Days Until Next Spade

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Hey, it's better than 25%, correct? Nice job.

769

⋅ INQs: 6

774

⋅ INQs: 5

764

INQs: 8

UTIL: 2%

AAoA: 5yr 8mos

Total Credit Line: $873,950

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Congratulations, very happy for you!

BEFCU Platinum Plus VISA @ 5.49% F with 1% rewards, $4k

Dover FCU Advantage MC @ 6.99% F, $5k

AOD FCU VS @ 7.49% F with 3% rewards, $7.5k

PACU Premier Privileges Rewards MC @ 7.50% F with 1.5% rewards, $20k

Unify FCU Fixed-Rate VISA Platinum @ 8.99% F, $25k

BoA Customized Cash Rewards WMC @ 9.99% F with 3.3%/2.2% category rewards, $50k

Unify FCU Variable-Rate VISA Platinum @ 10.24% V, $15k

EPFCU Smart Rewards MC @ 10.75% V with 1% rewards, $6.5k

FNBO BucksBack VS @ 11.5% V with 1.5% rewards, $85k

Andrews FCU Titanium Rewards VS @ 12.99% V with 3%/1.5% rewards, $5k

Barclay Ring @ 13.25% V, $1.9k

Cap1 Venture MC @ 15.15% V with no AF, 2% rewards, $9k

BoA Travel Rewards VS @ 15.24% V, $17.6k

Discover IT @ 15.24% V, $36.4k

BoA Customized Cash Rewards WMC @ 17.24% V with 3%/2% category rewards, $14.3k

Redstone FCU VS @ 17.25% V with 5%/3%/1.5% rewards, $10k

Amex Cash Magnet @ 18.24% V, $25k

BB&T Bright VISA @ 18.49% V, $10.75k

AAA Daily Advantage VS @ 18.74% V with 5%/3% category rewards, $10k

PenFed Pathfinder Rewards VS @ 18.99% V with no AF, 4x/1.5x rewards points/dollar, $12.5k

BoA Customized Cash Rewards WMC @ 19.24% V with 3%/2% category rewards, $20.4k

Citi Custom Cash WEMC @ 19.24% V with 5% category rewards, $39.32k

Amazon Prime VS @ 19.49% V with 5% category rewards, $35k

PayPal CashBack MC @ 19.74% V with 3% on all PayPal purchases/2% on all other purchases, $25k

US Bank Cash+(x2) @ 20.24% V with 5% category rewards, $32k

Wells Fargo Autograph VISA @ 20.49% V with 3% category rewards, $12.5k

FNBO BucksBack VS @ 21.24% V with 2% rewards, $23.5k

Citi Rewards+ WEMC @ 21.74‬% V, $26.1k

Citi Custom Cash WEMC @ 22.24% V with 5% category rewards, $5k

Amex BCE @ 23.49% V with 3% category rewards, $3k

GS My GM Rewards WEMC @ 24.4% V, $5.5k

WF Bilt WEMC @ 24.49% V with 3% dining rewards, $30k

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