topic ,Re: Sportsman's Guide Visa APR in Credit Cards

Sportsman's Guide Visa APR

Jerry45 — Tue, 29 Sep 2015 19:44:30 GMT

I called Comenity Bank Today, and was able to reduce my APR from the standard 24.99% to 20.99 on the SG Visa. Tried for lower, but would not budge. Better than nothing.

Re: Sportsman's Guide Visa APR

CreditMagic7 — Tue, 29 Sep 2015 20:02:09 GMT

@Jerry45 wrote:
I called Comenity Bank Today, and was able to reduce my APR from the standard 24.99% to 20.99 on the SG Visa. Tried for lower, but would not budge. Better than nothing.

Thanks for sharing. I was going over my store accounts and would like nothing better then an APR reduction on my Overstock Card. (A whopping 26.99%)

I was asked recently by a Synchrony Rep when i closed BP Visa card after 4 months the reason and i simply told them i already left those subprime rates behind over a year ago and was not interested in that anymore.

While the SP CLI's is really nice on this one, i don't think Comenity does APR reductions on their store cards and AFAIK are written in stone.

Have you tried the same with any of them?

It's still nice to learn that Comenity's Banckcard division apparently DOES allow it from consumer requests.

Re: Sportsman's Guide Visa APR

Anonymous — Tue, 29 Sep 2015 19:54:19 GMT

Very nice to know. Congrats!

Re: Sportsman's Guide Visa APR

Jerry45 — Tue, 29 Sep 2015 20:16:07 GMT

@CreditMagic7 wrote:
@Jerry45 wrote:
I called Comenity Bank Today, and was able to reduce my APR from the standard 24.99% to 20.99 on the SG Visa. Tried for lower, but would not budge. Better than nothing.
Thanks for sharing. I was going over my store accounts and would like nothing better then an APR reduction on my Overstock Card. (A whopping 26.99%)

I was asked recently by a Synchrony Rep when i closed BP Visa card after 4 months the reason and i simply told them i already left those subprime rates behind over a year ago and was not interested in that anymore.

While the SP CLI's is really nice on this one, i don't think Comenity does APR reductions on their store cards and AFAIK are written in stone.

Have you tried the same with any of them?

It's still nice to learn that Comenity's Banckcard division apparently DOES allow it from consumer requests.

I only have the Sportsman's Guide Visa CA, but the rep said 20.99 was the only offer he had for me. I did ask him a couple oft times, to make sure there was no hard pull. I will keep the card because it is a Visa and has a 10k limit, but I agree on the subprime rates. Home Depot is even worse from what I hear at 25.99. Just brutal.

Re: Sportsman's Guide Visa APR

Jerry45 — Tue, 29 Sep 2015 20:16:30 GMT

Thanks

Re: Sportsman's Guide Visa APR

CreditMagic7 — Tue, 29 Sep 2015 20:39:41 GMT

@Jerry45 wrote:
@CreditMagic7 wrote:
@Jerry45 wrote:
I called Comenity Bank Today, and was able to reduce my APR from the standard 24.99% to 20.99 on the SG Visa. Tried for lower, but would not budge. Better than nothing.
Thanks for sharing. I was going over my store accounts and would like nothing better then an APR reduction on my Overstock Card. (A whopping 26.99%)

I was asked recently by a Synchrony Rep when i closed BP Visa card after 4 months the reason and i simply told them i already left those subprime rates behind over a year ago and was not interested in that anymore.

While the SP CLI's is really nice on this one, i don't think Comenity does APR reductions on their store cards and AFAIK are written in stone.

Have you tried the same with any of them?

It's still nice to learn that Comenity's Banckcard division apparently DOES allow it from consumer requests.
I only have the Sportsman's Guide Visa CA, but the rep said 20.99 was the only offer he had for me. I did ask him a couple oft times, to make sure there was no hard pull. I will keep the card because it is a Visa and has a 10k limit, but I agree on the subprime rates. Home Depot is even worse from what I hear at 25.99. Just brutal.

Brutal indeed.

On a more positive note take notice of this.

This month during a spree for 3 Comenity Bankcards the lowest APR with the approval was 19.99%, 20.99% and 22.99% APR on Marathon Visa, Total Rewards Visa, and True Value Discover respectively.

Really not so bad considering that your post confirms that they will do reductions on the Bankcards end.

So again thanks for sharing your own results on this with Sportsman Guide Visa.

How long have you had your SG Visa card?

,Re: Sportsman's Guide Visa APR

Jerry45 — Tue, 29 Sep 2015 21:57:57 GMT

Close to a year, CA. Had two luv button CLI's so far.

Re: ,Re: Sportsman's Guide Visa APR

CreditMagic7 — Tue, 29 Sep 2015 22:02:08 GMT

@Jerry45 wrote:
Close to a year, CA. Had two luv button CLI's so far.

Thanks.

Good effort on your part and if this is any indication then it sure looks like you'll be able to work even that APR down even further in time.

Re: Sportsman's Guide Visa APR

OmarGB9 — Wed, 30 Sep 2015 06:54:08 GMT

Grats