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    <title>topic Re: NFCU request for  lower apr in Credit Cards</title>
    <link>https://ficoforums.myfico.com/t5/Credit-Cards/NFCU-request-for-lower-apr/m-p/5920418#M1699984</link>
    <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/1021785"&gt;@Jnbmom&lt;/a&gt;&amp;nbsp;wrote:&lt;BR /&gt;&lt;P&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/1064950"&gt;@M_Smart007&lt;/a&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Thanks for the big woohoo&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;&lt;span class="lia-inline-image-display-wrapper lia-image-align-left" image-alt="congratulations.gif" style="width: 200px;"&gt;&lt;img src="https://ficoforums.myfico.com/t5/image/serverpage/image-id/56069i69D947C23A588B40/image-size/small?v=v2&amp;amp;px=200" role="button" title="congratulations.gif" alt="congratulations.gif" /&gt;&lt;/span&gt;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;How about this?&lt;/P&gt;</description>
    <pubDate>Mon, 17 Feb 2020 04:07:28 GMT</pubDate>
    <dc:creator>TekkenQQ7</dc:creator>
    <dc:date>2020-02-17T04:07:28Z</dc:date>
    <item>
      <title>NFCU request for  lower apr</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/NFCU-request-for-lower-apr/m-p/5920372#M1699971</link>
      <description>&lt;P&gt;I sent a message this morning requesting my apr to be lowered on my platinum card.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Sucess went from 14.49 to 8 .49%&lt;/P&gt;</description>
      <pubDate>Mon, 17 Feb 2020 03:15:52 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/NFCU-request-for-lower-apr/m-p/5920372#M1699971</guid>
      <dc:creator>Jnbmom</dc:creator>
      <dc:date>2020-02-17T03:15:52Z</dc:date>
    </item>
    <item>
      <title>Re: NFCU reds card apr</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/NFCU-request-for-lower-apr/m-p/5920375#M1699973</link>
      <description>&lt;P&gt;Congrats on the APR reduction! That's killer!&lt;/P&gt;</description>
      <pubDate>Mon, 17 Feb 2020 03:16:14 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/NFCU-request-for-lower-apr/m-p/5920375#M1699973</guid>
      <dc:creator>Mv350</dc:creator>
      <dc:date>2020-02-17T03:16:14Z</dc:date>
    </item>
    <item>
      <title>Re: NFCU request for  lower apr</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/NFCU-request-for-lower-apr/m-p/5920383#M1699977</link>
      <description>&lt;P&gt;Woot woot!&lt;/P&gt;</description>
      <pubDate>Mon, 17 Feb 2020 03:25:19 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/NFCU-request-for-lower-apr/m-p/5920383#M1699977</guid>
      <dc:creator>recoveringfrombk7</dc:creator>
      <dc:date>2020-02-17T03:25:19Z</dc:date>
    </item>
    <item>
      <title>Re: NFCU request for  lower apr</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/NFCU-request-for-lower-apr/m-p/5920392#M1699980</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/1021785"&gt;@Jnbmom&lt;/a&gt;&amp;nbsp;wrote:&lt;BR /&gt;&lt;P&gt;I sent a message this morning requesting my apr to be lowered on my platinum card.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Sucess went from 14.49 to 8 .49%&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/1021785"&gt;@Jnbmom&lt;/a&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&lt;span class="lia-inline-image-display-wrapper lia-image-align-inline" image-alt="WooHooSmileyWave-vi.gif" style="width: 431px;"&gt;&lt;img src="https://ficoforums.myfico.com/t5/image/serverpage/image-id/55330i857A021EF7CBAD79/image-size/large?v=v2&amp;amp;px=999" role="button" title="WooHooSmileyWave-vi.gif" alt="WooHooSmileyWave-vi.gif" /&gt;&lt;/span&gt;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;</description>
      <pubDate>Mon, 17 Feb 2020 03:37:24 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/NFCU-request-for-lower-apr/m-p/5920392#M1699980</guid>
      <dc:creator>M_Smart007</dc:creator>
      <dc:date>2020-02-17T03:37:24Z</dc:date>
    </item>
    <item>
      <title>Re: NFCU request for  lower apr</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/NFCU-request-for-lower-apr/m-p/5920400#M1699982</link>
      <description>&lt;P&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/1064950"&gt;@M_Smart007&lt;/a&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Thanks for the big woohoo&lt;/P&gt;</description>
      <pubDate>Mon, 17 Feb 2020 03:56:01 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/NFCU-request-for-lower-apr/m-p/5920400#M1699982</guid>
      <dc:creator>Jnbmom</dc:creator>
      <dc:date>2020-02-17T03:56:01Z</dc:date>
    </item>
    <item>
      <title>Re: NFCU request for  lower apr</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/NFCU-request-for-lower-apr/m-p/5920417#M1699983</link>
      <description>&lt;P&gt;Nice decrease!&amp;nbsp;&lt;/P&gt;</description>
      <pubDate>Mon, 17 Feb 2020 04:07:26 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/NFCU-request-for-lower-apr/m-p/5920417#M1699983</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2020-02-17T04:07:26Z</dc:date>
    </item>
    <item>
      <title>Re: NFCU request for  lower apr</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/NFCU-request-for-lower-apr/m-p/5920418#M1699984</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/1021785"&gt;@Jnbmom&lt;/a&gt;&amp;nbsp;wrote:&lt;BR /&gt;&lt;P&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/1064950"&gt;@M_Smart007&lt;/a&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Thanks for the big woohoo&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;&lt;span class="lia-inline-image-display-wrapper lia-image-align-left" image-alt="congratulations.gif" style="width: 200px;"&gt;&lt;img src="https://ficoforums.myfico.com/t5/image/serverpage/image-id/56069i69D947C23A588B40/image-size/small?v=v2&amp;amp;px=200" role="button" title="congratulations.gif" alt="congratulations.gif" /&gt;&lt;/span&gt;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;How about this?&lt;/P&gt;</description>
      <pubDate>Mon, 17 Feb 2020 04:07:28 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/NFCU-request-for-lower-apr/m-p/5920418#M1699984</guid>
      <dc:creator>TekkenQQ7</dc:creator>
      <dc:date>2020-02-17T04:07:28Z</dc:date>
    </item>
    <item>
      <title>Re: NFCU request for  lower apr</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/NFCU-request-for-lower-apr/m-p/5920451#M1699989</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/1021785"&gt;@Jnbmom&lt;/a&gt;&amp;nbsp;wrote:&lt;BR /&gt;&lt;P&gt;I sent a message this morning requesting my apr to be lowered on my platinum card.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Sucess went from 14.49 to 8 .49%&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;Huh.&amp;nbsp; That's astounding!&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Do you recall what your rough FICO score was at time of approval and how long ago it was?&amp;nbsp; 6% reduction is far more than rates changed over any period in the last decade.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Along with so many other pressing things right now I need to get my request in for my mom's DD-214 in the mail, that APR is even lower than the PLOC I have open and would be my clear secondary financing by several miles even if I am re-adjusting my financial thoughts towards hammering my debt this year which would open up a second HELOC option if needed.&lt;/P&gt;</description>
      <pubDate>Mon, 17 Feb 2020 05:20:14 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/NFCU-request-for-lower-apr/m-p/5920451#M1699989</guid>
      <dc:creator>Revelate</dc:creator>
      <dc:date>2020-02-17T05:20:14Z</dc:date>
    </item>
    <item>
      <title>Re: NFCU request for  lower apr</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/NFCU-request-for-lower-apr/m-p/5920472#M1699991</link>
      <description>&lt;P&gt;They just couldn't give you that last 1% eh? 😂&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Congrats! &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>Mon, 17 Feb 2020 06:08:36 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/NFCU-request-for-lower-apr/m-p/5920472#M1699991</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2020-02-17T06:08:36Z</dc:date>
    </item>
    <item>
      <title>Re: NFCU request for  lower apr</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/NFCU-request-for-lower-apr/m-p/5920504#M1699994</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/1021785"&gt;@Jnbmom&lt;/a&gt;&amp;nbsp;wrote:&lt;BR /&gt;&lt;P&gt;I sent a message this morning requesting my apr to be lowered on my platinum card.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Sucess went from 14.49 to 8 .49%&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;That's got to feel good: a nice result of your excellent FICO scores. &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>Mon, 17 Feb 2020 06:42:22 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/NFCU-request-for-lower-apr/m-p/5920504#M1699994</guid>
      <dc:creator>Gollum</dc:creator>
      <dc:date>2020-02-17T06:42:22Z</dc:date>
    </item>
    <item>
      <title>Re: NFCU request for  lower apr</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/NFCU-request-for-lower-apr/m-p/5920555#M1699998</link>
      <description>&lt;P&gt;Congratulations on your APR reduction!&lt;/P&gt;</description>
      <pubDate>Mon, 17 Feb 2020 08:16:08 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/NFCU-request-for-lower-apr/m-p/5920555#M1699998</guid>
      <dc:creator>AllZero</dc:creator>
      <dc:date>2020-02-17T08:16:08Z</dc:date>
    </item>
    <item>
      <title>Re: NFCU request for  lower apr</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/NFCU-request-for-lower-apr/m-p/5920585#M1700003</link>
      <description>&lt;P&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/891148"&gt;@TekkenQQ7&lt;/a&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Very nice&amp;nbsp;&lt;/P&gt;</description>
      <pubDate>Mon, 17 Feb 2020 09:44:32 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/NFCU-request-for-lower-apr/m-p/5920585#M1700003</guid>
      <dc:creator>Jnbmom</dc:creator>
      <dc:date>2020-02-17T09:44:32Z</dc:date>
    </item>
    <item>
      <title>Re: NFCU request for  lower apr</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/NFCU-request-for-lower-apr/m-p/5920588#M1700005</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/534281"&gt;@Revelate&lt;/a&gt;&amp;nbsp;wrote:&lt;BR /&gt;&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/1021785"&gt;@Jnbmom&lt;/a&gt;&amp;nbsp;wrote:&lt;BR /&gt;&lt;P&gt;I sent a message this morning requesting my apr to be lowered on my platinum card.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Sucess went from 14.49 to 8 .49%&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;Huh.&amp;nbsp; That's astounding!&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Do you recall what your rough FICO score was at time of approval and how long ago it was?&amp;nbsp; 6% reduction is far more than rates changed over any period in the last decade.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Along with so many other pressing things right now I need to get my request in for my mom's DD-214 in the mail, that APR is even lower than the PLOC I have open and would be my clear secondary financing by several miles even if I am re-adjusting my financial thoughts towards hammering my debt this year which would open up a second HELOC option if needed.&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/534281"&gt;@Revelate&lt;/a&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;I opened the card 10/2018 I believe my FICO at the time was around 680.&lt;/P&gt;</description>
      <pubDate>Mon, 17 Feb 2020 09:49:48 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/NFCU-request-for-lower-apr/m-p/5920588#M1700005</guid>
      <dc:creator>Jnbmom</dc:creator>
      <dc:date>2020-02-17T09:49:48Z</dc:date>
    </item>
    <item>
      <title>Re: NFCU request for  lower apr</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/NFCU-request-for-lower-apr/m-p/5920628#M1700013</link>
      <description>&lt;P&gt;Meh😏 im jaded😄&lt;/P&gt;</description>
      <pubDate>Mon, 17 Feb 2020 11:53:30 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/NFCU-request-for-lower-apr/m-p/5920628#M1700013</guid>
      <dc:creator>AverageJoesCredit</dc:creator>
      <dc:date>2020-02-17T11:53:30Z</dc:date>
    </item>
    <item>
      <title>Re: NFCU request for  lower apr</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/NFCU-request-for-lower-apr/m-p/5920792#M1700043</link>
      <description>Wow, that's awesome! Congrats! How did you request - messenger or chat?</description>
      <pubDate>Mon, 17 Feb 2020 16:07:55 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/NFCU-request-for-lower-apr/m-p/5920792#M1700043</guid>
      <dc:creator>JNA1</dc:creator>
      <dc:date>2020-02-17T16:07:55Z</dc:date>
    </item>
    <item>
      <title>Re: NFCU request for  lower apr</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/NFCU-request-for-lower-apr/m-p/5920823#M1700047</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/1021785"&gt;@Jnbmom&lt;/a&gt;&amp;nbsp;wrote:&lt;BR /&gt;&lt;P&gt;I sent a message this morning requesting my apr to be lowered on my platinum card.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Sucess went from 14.49 to 8 .49%&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;Congrats! mom.&lt;/P&gt;&lt;P&gt;I recently got a 7% reduction -- it's always good to ask.&amp;nbsp;&lt;/P&gt;</description>
      <pubDate>Mon, 17 Feb 2020 16:52:58 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/NFCU-request-for-lower-apr/m-p/5920823#M1700047</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2020-02-17T16:52:58Z</dc:date>
    </item>
    <item>
      <title>Re: NFCU request for  lower apr</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/NFCU-request-for-lower-apr/m-p/5920862#M1700055</link>
      <description>&lt;P&gt;Dont ask , DEMAND!&amp;nbsp; &lt;img id="smileywink" class="emoticon emoticon-smileywink" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-wink.gif" alt="Smiley Wink" title="Smiley Wink" /&gt;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Sorry, im on a sugar rush from Day, Giant marshmellos dipped in chocolate 💗&lt;/P&gt;</description>
      <pubDate>Mon, 17 Feb 2020 17:22:40 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/NFCU-request-for-lower-apr/m-p/5920862#M1700055</guid>
      <dc:creator>AverageJoesCredit</dc:creator>
      <dc:date>2020-02-17T17:22:40Z</dc:date>
    </item>
    <item>
      <title>Re: NFCU request for  lower apr</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/NFCU-request-for-lower-apr/m-p/5920871#M1700057</link>
      <description>&lt;P&gt;Congratulations!&lt;/P&gt;</description>
      <pubDate>Mon, 17 Feb 2020 17:42:59 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/NFCU-request-for-lower-apr/m-p/5920871#M1700057</guid>
      <dc:creator>newfossil</dc:creator>
      <dc:date>2020-02-17T17:42:59Z</dc:date>
    </item>
    <item>
      <title>Re: NFCU request for  lower apr</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/NFCU-request-for-lower-apr/m-p/5920904#M1700067</link>
      <description>&lt;P&gt;Congratulations on your awesome decrease! 👍&lt;/P&gt;</description>
      <pubDate>Mon, 17 Feb 2020 18:17:30 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/NFCU-request-for-lower-apr/m-p/5920904#M1700067</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2020-02-17T18:17:30Z</dc:date>
    </item>
    <item>
      <title>Re: NFCU request for  lower apr</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/NFCU-request-for-lower-apr/m-p/5921263#M1700131</link>
      <description>&lt;P&gt;Congrats to you!&lt;/P&gt;</description>
      <pubDate>Tue, 18 Feb 2020 01:05:27 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/NFCU-request-for-lower-apr/m-p/5921263#M1700131</guid>
      <dc:creator>Traveler101</dc:creator>
      <dc:date>2020-02-18T01:05:27Z</dc:date>
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