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have any of you members had an apr reduction? on one of my cards they started me out a little on the high side 17% and when i called to ask for apr reduction they told me to wait a year. well being nfcu is hard pull happy would it result in a hp to do so? anyone have experience with this?
@jordanmedical wrote:
I've read on threads here there you can ask for apr reduction once every 6 months. I was started pretty high too, 15.99%
hey at least you did better than me lol. im going to hit a year with my first card with them come nov so ill ask then. being they are hp happy i wonder if they will need to hp me to do it
I've read people just sent them secured messages and got it reduced, wish I could find that thread. Don't remember reading if it was a hp or not?
@jordanmedical wrote:I've read people just sent them secured messages and got it reduced, wish I could find that thread. Don't remember reading if it was a hp or not?
thats what i did when i only had the card for about 3 mos and they replied and told me to ask when i have had the card for a full year
I have received apr reduction on 2 of my cards after 1 year. I sent secure message and received a response within 24 hours. Both cases the apr was lowered. On one of the cards I received an auto CLI from 17,500 to 21,000. The other they just lowered the apr and left the CL at $17,500.