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itmeans that you may have a different expiernce than I have had basicly
I was able to get a lower apr but YMMV (ie yuou may not be able to get that low of apr for example)
My fico abbreviations
http://ficoforums.myfico.com/t5/User-Guidelines-General/Common-Abbreviations/td-p/88458
YMMV= What people tell you when they don't know how to correctly answer your question on this forum. The second most popular answer when people don't know is "Must be rebucketting" I'm just teasing of course.