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  <channel>
    <title>topic Re: Amex HHonors Apr Reduction 8.99% in Credit Cards</title>
    <link>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-HHonors-Apr-Reduction-8-99/m-p/4411421#M1266794</link>
    <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/810100"&gt;@taxi818&lt;/a&gt; wrote:&lt;BR /&gt;&lt;BLOCKQUOTE&gt;&lt;HR /&gt;@CreditCuriousity wrote:&lt;BR /&gt;&lt;P&gt;&lt;FONT color="#ff0000"&gt;&lt;STRONG&gt;Well bored in the garden&lt;/STRONG&gt; &lt;/FONT&gt;so chatted&amp;nbsp;and asked for an APR reduction on my Amex HHonors card and like usual they were happy to help me with it. &amp;nbsp;I plan on moving some of my Amex ED limit 26k over to my HHonors account 2k next month when my ED hits 13 months old. &amp;nbsp;So wanted the best rate I could get on my no AF hhonors card incase I want to carry a balance at a great APR! &amp;nbsp;So ya 8.99%.. Will hit them up in another month, although I suspect I am getting near the bottom of what they will offer me!&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&lt;IMG src="https://ficoforums.myfico.com/t5/image/serverpage/image-id/18556i21A94A1C4A3AC1EB/image-size/original?v=mpbl-1&amp;amp;px=-1" border="0" alt="apr.JPG" title="apr.JPG" /&gt;&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;Hehehe. How long have you been in the Garden CC? 12 hours?? Lol. Sweet Rate on the HH card. I can't beleive ive been in the Garden 4 months now. I guess i have everything i need at this point. Had 5 inqs drop off my experian this month. Down to only 20. hehehe. I apoligize. I see a spade in your siggy. Wow.&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;1.5 months approx. in the garden. Took a 21 point EQ 08 hit when my Ritz hit.. Not sure why if I was rebucketed or what as nothing has changed other than new account and a AAoA hit. &amp;nbsp;Hoping to claw that back while I try to garden for 12 months then some! Weird thing is my Mortgage Score went up by 10 points.. Strange!&lt;/P&gt;</description>
    <pubDate>Thu, 14 Jan 2016 01:30:56 GMT</pubDate>
    <dc:creator>CreditCuriosity</dc:creator>
    <dc:date>2016-01-14T01:30:56Z</dc:date>
    <item>
      <title>Amex HHonors Apr Reduction 8.99%</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-HHonors-Apr-Reduction-8-99/m-p/4411107#M1266677</link>
      <description>&lt;P&gt;Well bored in the garden so chatted&amp;nbsp;and asked for an APR reduction on my Amex HHonors card and like usual they were happy to help me with it. &amp;nbsp;I plan on moving some of my Amex ED limit 26k over to my HHonors account 2k next month when my ED hits 13 months old. &amp;nbsp;So wanted the best rate I could get on my no AF hhonors card incase I want to carry a balance at a great APR! &amp;nbsp;So ya 8.99%.. Will hit them up in another month, although I suspect I am getting near the bottom of what they will offer me!&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&lt;IMG src="https://ficoforums.myfico.com/t5/image/serverpage/image-id/18556i21A94A1C4A3AC1EB/image-size/original?v=mpbl-1&amp;amp;px=-1" border="0" alt="apr.JPG" title="apr.JPG" /&gt;&lt;/P&gt;</description>
      <pubDate>Wed, 13 Jan 2016 22:41:49 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-HHonors-Apr-Reduction-8-99/m-p/4411107#M1266677</guid>
      <dc:creator>CreditCuriosity</dc:creator>
      <dc:date>2016-01-13T22:41:49Z</dc:date>
    </item>
    <item>
      <title>Re: Amex HHonors Apr Reduction 8.99%</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-HHonors-Apr-Reduction-8-99/m-p/4411116#M1266680</link>
      <description>&lt;P&gt;Very nice. &amp;nbsp;Well done CC&lt;/P&gt;</description>
      <pubDate>Wed, 13 Jan 2016 22:36:22 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-HHonors-Apr-Reduction-8-99/m-p/4411116#M1266680</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2016-01-13T22:36:22Z</dc:date>
    </item>
    <item>
      <title>Re: Amex HHonors Apr Reduction 8.99%</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-HHonors-Apr-Reduction-8-99/m-p/4411154#M1266695</link>
      <description>&lt;P&gt;That's awesome! Congrats!&amp;nbsp;&lt;/P&gt;</description>
      <pubDate>Wed, 13 Jan 2016 22:55:16 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-HHonors-Apr-Reduction-8-99/m-p/4411154#M1266695</guid>
      <dc:creator>ddemari</dc:creator>
      <dc:date>2016-01-13T22:55:16Z</dc:date>
    </item>
    <item>
      <title>Re: Amex HHonors Apr Reduction 8.99%</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-HHonors-Apr-Reduction-8-99/m-p/4411188#M1266704</link>
      <description>&lt;P&gt;very nice CC, congrats !!!&lt;/P&gt;</description>
      <pubDate>Wed, 13 Jan 2016 23:18:16 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-HHonors-Apr-Reduction-8-99/m-p/4411188#M1266704</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2016-01-13T23:18:16Z</dc:date>
    </item>
    <item>
      <title>Re: Amex HHonors Apr Reduction 8.99%</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-HHonors-Apr-Reduction-8-99/m-p/4411273#M1266737</link>
      <description>&lt;P&gt;Thanks all...Roll of the dice if Amex computers will give it although they usually do! &amp;nbsp;One thing Amex really beats the other CC issuers on is APR reductions!&lt;/P&gt;</description>
      <pubDate>Thu, 14 Jan 2016 00:05:32 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-HHonors-Apr-Reduction-8-99/m-p/4411273#M1266737</guid>
      <dc:creator>CreditCuriosity</dc:creator>
      <dc:date>2016-01-14T00:05:32Z</dc:date>
    </item>
    <item>
      <title>Re: Amex HHonors Apr Reduction 8.99%</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-HHonors-Apr-Reduction-8-99/m-p/4411296#M1266749</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;@CreditCuriousity wrote:&lt;BR /&gt;&lt;P&gt;Thanks all...Roll of the dice if Amex computers will give it although they usually do! &amp;nbsp;One thing Amex really beats the other CC issuers on is APR reductions!&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;I received an APR reduntion on my ED Card which it was on 0% promo which ended last month. I will continue to request an APR reduction until I get 0 LOL hehehe&lt;/P&gt;</description>
      <pubDate>Thu, 14 Jan 2016 00:19:15 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-HHonors-Apr-Reduction-8-99/m-p/4411296#M1266749</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2016-01-14T00:19:15Z</dc:date>
    </item>
    <item>
      <title>Re: Amex HHonors Apr Reduction 8.99%</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-HHonors-Apr-Reduction-8-99/m-p/4411344#M1266763</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;@CreditCuriousity wrote:&lt;BR /&gt;&lt;P&gt;&lt;FONT color="#ff0000"&gt;&lt;STRONG&gt;Well bored in the garden&lt;/STRONG&gt; &lt;/FONT&gt;so chatted&amp;nbsp;and asked for an APR reduction on my Amex HHonors card and like usual they were happy to help me with it. &amp;nbsp;I plan on moving some of my Amex ED limit 26k over to my HHonors account 2k next month when my ED hits 13 months old. &amp;nbsp;So wanted the best rate I could get on my no AF hhonors card incase I want to carry a balance at a great APR! &amp;nbsp;So ya 8.99%.. Will hit them up in another month, although I suspect I am getting near the bottom of what they will offer me!&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&lt;IMG src="https://ficoforums.myfico.com/t5/image/serverpage/image-id/18556i21A94A1C4A3AC1EB/image-size/original?v=mpbl-1&amp;amp;px=-1" border="0" alt="apr.JPG" title="apr.JPG" /&gt;&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;Hehehe. How long have you been in the Garden CC? 12 hours?? Lol. Sweet Rate on the HH card. I can't beleive ive been in the Garden 4 months now. I guess i have everything i need at this point. Had 5 inqs drop off my experian this month. Down to only 20. hehehe. I apoligize. I see a spade in your siggy. Wow.&lt;/P&gt;</description>
      <pubDate>Thu, 14 Jan 2016 00:52:18 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-HHonors-Apr-Reduction-8-99/m-p/4411344#M1266763</guid>
      <dc:creator>taxi818</dc:creator>
      <dc:date>2016-01-14T00:52:18Z</dc:date>
    </item>
    <item>
      <title>Re: Amex HHonors Apr Reduction 8.99%</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-HHonors-Apr-Reduction-8-99/m-p/4411351#M1266768</link>
      <description>&lt;P&gt;^^^ LOL at the 12 hours comment &lt;img id="smileyvery-happy" class="emoticon emoticon-smileyvery-happy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-very-happy.gif" alt="Smiley Very Happy" title="Smiley Very Happy" /&gt;!!&lt;/P&gt;</description>
      <pubDate>Thu, 14 Jan 2016 00:57:01 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-HHonors-Apr-Reduction-8-99/m-p/4411351#M1266768</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2016-01-14T00:57:01Z</dc:date>
    </item>
    <item>
      <title>Re: Amex HHonors Apr Reduction 8.99%</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-HHonors-Apr-Reduction-8-99/m-p/4411421#M1266794</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/810100"&gt;@taxi818&lt;/a&gt; wrote:&lt;BR /&gt;&lt;BLOCKQUOTE&gt;&lt;HR /&gt;@CreditCuriousity wrote:&lt;BR /&gt;&lt;P&gt;&lt;FONT color="#ff0000"&gt;&lt;STRONG&gt;Well bored in the garden&lt;/STRONG&gt; &lt;/FONT&gt;so chatted&amp;nbsp;and asked for an APR reduction on my Amex HHonors card and like usual they were happy to help me with it. &amp;nbsp;I plan on moving some of my Amex ED limit 26k over to my HHonors account 2k next month when my ED hits 13 months old. &amp;nbsp;So wanted the best rate I could get on my no AF hhonors card incase I want to carry a balance at a great APR! &amp;nbsp;So ya 8.99%.. Will hit them up in another month, although I suspect I am getting near the bottom of what they will offer me!&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&lt;IMG src="https://ficoforums.myfico.com/t5/image/serverpage/image-id/18556i21A94A1C4A3AC1EB/image-size/original?v=mpbl-1&amp;amp;px=-1" border="0" alt="apr.JPG" title="apr.JPG" /&gt;&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;Hehehe. How long have you been in the Garden CC? 12 hours?? Lol. Sweet Rate on the HH card. I can't beleive ive been in the Garden 4 months now. I guess i have everything i need at this point. Had 5 inqs drop off my experian this month. Down to only 20. hehehe. I apoligize. I see a spade in your siggy. Wow.&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;1.5 months approx. in the garden. Took a 21 point EQ 08 hit when my Ritz hit.. Not sure why if I was rebucketed or what as nothing has changed other than new account and a AAoA hit. &amp;nbsp;Hoping to claw that back while I try to garden for 12 months then some! Weird thing is my Mortgage Score went up by 10 points.. Strange!&lt;/P&gt;</description>
      <pubDate>Thu, 14 Jan 2016 01:30:56 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-HHonors-Apr-Reduction-8-99/m-p/4411421#M1266794</guid>
      <dc:creator>CreditCuriosity</dc:creator>
      <dc:date>2016-01-14T01:30:56Z</dc:date>
    </item>
    <item>
      <title>Re: Amex HHonors Apr Reduction 8.99%</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-HHonors-Apr-Reduction-8-99/m-p/4411524#M1266840</link>
      <description>nice job there CC!!</description>
      <pubDate>Thu, 14 Jan 2016 02:35:44 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-HHonors-Apr-Reduction-8-99/m-p/4411524#M1266840</guid>
      <dc:creator>pizza1</dc:creator>
      <dc:date>2016-01-14T02:35:44Z</dc:date>
    </item>
    <item>
      <title>Re: Amex HHonors Apr Reduction 8.99%</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-HHonors-Apr-Reduction-8-99/m-p/4411539#M1266848</link>
      <description>&lt;P&gt;Nice Congrats!!!!!!&amp;nbsp;&lt;/P&gt;</description>
      <pubDate>Thu, 14 Jan 2016 02:46:45 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-HHonors-Apr-Reduction-8-99/m-p/4411539#M1266848</guid>
      <dc:creator>Saleen099</dc:creator>
      <dc:date>2016-01-14T02:46:45Z</dc:date>
    </item>
    <item>
      <title>Re: Amex HHonors Apr Reduction 8.99%</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-HHonors-Apr-Reduction-8-99/m-p/4411542#M1266849</link>
      <description>&lt;P&gt;CC scored a goodie&amp;nbsp;&lt;/P&gt;</description>
      <pubDate>Thu, 14 Jan 2016 02:48:02 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-HHonors-Apr-Reduction-8-99/m-p/4411542#M1266849</guid>
      <dc:creator>myjourney</dc:creator>
      <dc:date>2016-01-14T02:48:02Z</dc:date>
    </item>
    <item>
      <title>Re: Amex HHonors Apr Reduction 8.99%</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-HHonors-Apr-Reduction-8-99/m-p/4411588#M1266870</link>
      <description>&lt;P&gt;Congrats CC !!! I was going to wait 2 more weeks to do mine but I think I will try NOW.mmy BCE was at 8.24 but since the apr&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;imcrease , I'm at 8.49% now. Thnx for making try again before I wanted too and against my will.....lol&lt;/P&gt;</description>
      <pubDate>Thu, 14 Jan 2016 03:18:56 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-HHonors-Apr-Reduction-8-99/m-p/4411588#M1266870</guid>
      <dc:creator>ScoreOrBeScored</dc:creator>
      <dc:date>2016-01-14T03:18:56Z</dc:date>
    </item>
    <item>
      <title>Re: Amex HHonors Apr Reduction 8.99%</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-HHonors-Apr-Reduction-8-99/m-p/4411622#M1266878</link>
      <description>&lt;P&gt;CC....... I made my OWN thread **Sticking my tounge out**&lt;/P&gt;</description>
      <pubDate>Thu, 14 Jan 2016 03:42:03 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-HHonors-Apr-Reduction-8-99/m-p/4411622#M1266878</guid>
      <dc:creator>ScoreOrBeScored</dc:creator>
      <dc:date>2016-01-14T03:42:03Z</dc:date>
    </item>
    <item>
      <title>Re: Amex HHonors Apr Reduction 8.99%</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-HHonors-Apr-Reduction-8-99/m-p/4411738#M1266923</link>
      <description>Grats</description>
      <pubDate>Thu, 14 Jan 2016 06:04:12 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-HHonors-Apr-Reduction-8-99/m-p/4411738#M1266923</guid>
      <dc:creator>OmarGB9</dc:creator>
      <dc:date>2016-01-14T06:04:12Z</dc:date>
    </item>
    <item>
      <title>Re: Amex HHonors Apr Reduction 8.99%</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-HHonors-Apr-Reduction-8-99/m-p/4411844#M1266959</link>
      <description>&lt;P&gt;Congratulations, CC, very nice! &lt;img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /&gt;&lt;/P&gt;</description>
      <pubDate>Thu, 14 Jan 2016 10:45:43 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-HHonors-Apr-Reduction-8-99/m-p/4411844#M1266959</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2016-01-14T10:45:43Z</dc:date>
    </item>
    <item>
      <title>Re: Amex HHonors Apr Reduction 8.99%</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-HHonors-Apr-Reduction-8-99/m-p/4411853#M1266962</link>
      <description>&lt;P&gt;Congrats on the reduction. Amex seems to be the best at both reducing and bringing one done into the single digits. Nicely done!&lt;/P&gt;</description>
      <pubDate>Thu, 14 Jan 2016 11:14:35 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-HHonors-Apr-Reduction-8-99/m-p/4411853#M1266962</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2016-01-14T11:14:35Z</dc:date>
    </item>
    <item>
      <title>Re: Amex HHonors Apr Reduction 8.99%</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-HHonors-Apr-Reduction-8-99/m-p/4412011#M1267024</link>
      <description>&lt;P&gt;Congrats CC!&lt;/P&gt;</description>
      <pubDate>Thu, 14 Jan 2016 15:26:23 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-HHonors-Apr-Reduction-8-99/m-p/4412011#M1267024</guid>
      <dc:creator>galahad15</dc:creator>
      <dc:date>2016-01-14T15:26:23Z</dc:date>
    </item>
    <item>
      <title>Re: Amex HHonors Apr Reduction 8.99%</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-HHonors-Apr-Reduction-8-99/m-p/4412022#M1267028</link>
      <description>&lt;P&gt;congrats!!!&lt;/P&gt;</description>
      <pubDate>Thu, 14 Jan 2016 15:36:17 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-HHonors-Apr-Reduction-8-99/m-p/4412022#M1267028</guid>
      <dc:creator>alvon123</dc:creator>
      <dc:date>2016-01-14T15:36:17Z</dc:date>
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