When is the best time to negotiate APR reductions, CLI's, and combinations of cards? I don't necessarily need CLI's on most of my cards, but I would like lower APR's and to combine some. Should I use the card, PIF, and then call? Should I call the backdoor numbers, or just call the number on the back of the card.
Should I not use the card and then call and say I'll use the ard more with a lower APR?
And on any card that I recently got a CLI, Discover, Cap1, and Citi, should I wait 6 months before asking for a APR reduction or a combination of cards?
What do all of you recommend as the bast course of action?
4/16/09: TU: 775, EQ: 805 2/11/09: TU: 773, EQ: 790, EX:790 11/16/08: TU: 773, EQ: 785, EX: 780 Goals for 2009: 0 Credit Card Debt & 0% Util (achieved 2/6/09), Mortgage! (achieved 11/2/09), getting closer to 800 scores (I crossed this earlier this year, but I'm sure I'm not there anymore!)