topic Re: Navy Platinum APR reduction in Credit Cards

Navy Platinum APR reduction

AverageJoesCredit — Tue, 26 Nov 2019 16:53:45 GMT

After impatiently waiting a few days , my Navy Federal Platinum Visa card turned 1 year old yesterday so i sent them a sm to ask about reducing my Apr . Got back my reply moments ago and mission successful! From 10.74 to 8.74% This is now my second Visa under 9% Woo hoo! HAPPY HOLIDAYS everyone

Re: Navy Platinum APR reduction

Rebuild2019 — Tue, 26 Nov 2019 16:55:29 GMT

Congratulations 🎊🍾🎉🎈 @AverageJoesCredit

Re: Navy Platinum APR reduction

Anonymous — Tue, 26 Nov 2019 17:04:57 GMT

Very nice, congrats!

Re: Navy Platinum APR reduction

Anonymous — Tue, 26 Nov 2019 17:06:40 GMT

@AverageJoesCredit wrote:
... From 10.74 to 8.74% ...

Sweet! Nicely done, Joey.

Re: Navy Platinum APR reduction

Peazmom — Tue, 26 Nov 2019 17:07:04 GMT

@AverageJoesCredit wrote:
After impatiently waiting a few days , my Navy Federal Platinum Visa card turned 1 year old yesterday so i sent them a sm to ask about reducing my Apr . Got back my reply moments ago and mission successful! From 10.74 to 8.74% This is now my second Visa under 9% Woo hoo! HAPPY HOLIDAYS everyone

Congrats my friend!

Re: Navy Platinum APR reduction

SouthJamaica — Tue, 26 Nov 2019 18:29:36 GMT

@AverageJoesCredit wrote:
After impatiently waiting a few days , my Navy Federal Platinum Visa card turned 1 year old yesterday so i sent them a sm to ask about reducing my Apr . Got back my reply moments ago and mission successful! From 10.74 to 8.74% This is now my second Visa under 9% Woo hoo! HAPPY HOLIDAYS everyone

Awesome @AverageJoesCredit That's a beautiful rate.

Re: Navy Platinum APR reduction

CreditCuriosity — Tue, 26 Nov 2019 18:37:58 GMT

Congrats AJC! Great APR by any stretch.

Re: Navy Platinum APR reduction

ocheosa — Tue, 26 Nov 2019 21:25:17 GMT

Congrats King Joe !!! Get jiggy with it !!

Re: Navy Platinum APR reduction

AverageJoesCredit — Tue, 26 Nov 2019 23:24:24 GMT

Lol, thanks everybody This was a great day for Baby Platimus I'm inclined to try and go for a cli but not really sure there is any meat on the bone , income, plus im really tired of hps and am holding strong against my impulse. Probably only eay id go for one is if Navy said i was prequaled for one lol. So now my CR is 11.74% and my Plat is 8.74% Go Navy

Re: Navy Platinum APR reduction

AllZero — Wed, 27 Nov 2019 01:15:17 GMT

Congratulations on your APR reduction!

Re: Navy Platinum APR reduction

pinkandgrey — Wed, 27 Nov 2019 01:41:45 GMT

Whooohoooo!
Merry Christmas to AJC.

Congrats!

Re: Navy Platinum APR reduction

AverageJoesCredit — Wed, 27 Nov 2019 01:45:21 GMT

Haha thanks!

Just wanted to report i checked my ego at the door, curbed my enthusiasm, broke my own bad I did NOT call Navy and have decided to stick to my gunz and carry on with 2 year mission. One look at my Credit Karma breakdown i just realized my youngest account just turned 6 months old and i haven't received a hp since October 5/6 Looking at my hps on TU its an all Navy feastarama and Penfed owns Equihack. Getting new accounts just isnt worth it and i cant chase SUBS so ......

Re: Navy Platinum APR reduction

pinkandgrey — Wed, 27 Nov 2019 01:47:30 GMT

@AverageJoesCredit wrote:
Haha thanks!

Just wanted to report i checked my ego at the door, curbed my enthusiasm, broke my own bad I did NOT call Navy and have decided to stick to my gunz and carry on with 2 year mission. One look at my Credit Karma breakdown i just realized my youngest account just turned 6 months old and i haven't received a hp since October 5/6 Looking at my hps on TU its an all Navy feastarama and Penfed owns Equihack. Getting new accounts just isnt worth it and i cant chase SUBS so ......

Yeah, I'm trying to stay in the Garden as well despite the barrage of offers on all sides. 😭 Almost nine months old for my most recent account.

Re: Navy Platinum APR reduction

AverageJoesCredit — Wed, 27 Nov 2019 01:59:29 GMT

9 months is awesome in this day and age lol. I think the longer one goes without apping it gets easier. I cant say it enough but everytime i think about it, all my denials this past year have been a blessing. Sure it stinks i didnt get my Superman card but in reality would have been another card with $5 spend to keep open.

Ive gotten some apr reductions this year, cant wait to ask Miss Disco again

Re: Navy Platinum APR reduction

pinkandgrey — Wed, 27 Nov 2019 02:17:33 GMT

@AverageJoesCredit wrote:
9 months is awesome in this day and age lol. I think the longer one goes without apping it gets easier. I cant say it enough but everytime i think about it, all my denials this past year have been a blessing. Sure it stinks i didnt get my Superman card but in reality would have been another card with $5 spend to keep open.

Ive gotten some apr reductions this year, cant wait to ask Miss Disco again

You'll get your Card of Steel sooner or later.

Re: Navy Platinum APR reduction

Anonymous — Wed, 27 Nov 2019 03:10:07 GMT

Y'all are crazy with this no apps for 6-9+ months. I am not even 2 months in and I'm stressed 😂

Re: Navy Platinum APR reduction

AverageJoesCredit — Wed, 27 Nov 2019 03:13:48 GMT

Its hard at times @Anonymous. How do you think i got some of those denials lol, bad choices or drapping but one way to beat the apping blues is to seek apr reductions where possible. I would with Citi but they always tell me im either on an apr promo or im lowest they can give. I should hit up Amex next but who knows with them

Re: Navy Platinum APR reduction

Anonymous — Wed, 27 Nov 2019 03:20:02 GMT

I can't ask on any of my cards. Disco is coming up next month on Christmas Eve and then Navy in February but I don't have anything else I can ask for until October.

Re: Navy Platinum APR reduction

Anonymous — Wed, 27 Nov 2019 05:19:12 GMT

I've heard rumors (I'm still young with NFCU) that Navy Fed will actually start looking at auto CLIs beginning with your 13th month. So you may not need to risk the HP to get a CLI -- just give it some time and see what happens.

Re: Navy Platinum APR reduction

AverageJoesCredit — Wed, 27 Nov 2019 11:36:18 GMT

Yea , thanks. I may just start using my plat a little more. I received my first as uto cli from Navy after 2 years plus on my CR so i know it is at least possible