first and foremost, i want to thank everyone here for the wealth of knowledge and advice that is shared here.
this morning i called up bofa and us bank to see about a lower apr rate.
with bofa, it's the 321 cash rewards card. age of the card is about 2 years and 4 months. got it lowered from 19.99% to 16.99%. 3 %. it's permanent.
with us bank, it's the cash +, age of the card is about 1 year and 7 months. got a promo rate of 18%. normal rate i think is around 21%. promo is for 6 months. [pif in every month anyway]. i know how they roll, lol, something is better than nothing.
pif every month, might let a little report, but pif anyway.
