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    <title>topic Nice APR lowering from NFCU in Credit Cards</title>
    <link>https://ficoforums.myfico.com/t5/Credit-Cards/Nice-APR-lowering-from-NFCU/m-p/2676275#M764823</link>
    <description>Called yesterday was having issues making a payment was able to go from 13.99 percent to 9.99 percent, next year trying for the 7.99 percent</description>
    <pubDate>Wed, 25 Dec 2013 13:05:35 GMT</pubDate>
    <dc:creator>Smug</dc:creator>
    <dc:date>2013-12-25T13:05:35Z</dc:date>
    <item>
      <title>Nice APR lowering from NFCU</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Nice-APR-lowering-from-NFCU/m-p/2676275#M764823</link>
      <description>Called yesterday was having issues making a payment was able to go from 13.99 percent to 9.99 percent, next year trying for the 7.99 percent</description>
      <pubDate>Wed, 25 Dec 2013 13:05:35 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Nice-APR-lowering-from-NFCU/m-p/2676275#M764823</guid>
      <dc:creator>Smug</dc:creator>
      <dc:date>2013-12-25T13:05:35Z</dc:date>
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    <item>
      <title>Re: Nice APR lowering from NFCU</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Nice-APR-lowering-from-NFCU/m-p/2676281#M764826</link>
      <description>&lt;P&gt;Congrats....feels nice ..had luck with the BofA cards a while back and got 9,99%...that is the end for me as their lowest I believe...&lt;/P&gt;&lt;P&gt;Good luck on the way to the 7,99% &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>Wed, 25 Dec 2013 13:13:42 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Nice-APR-lowering-from-NFCU/m-p/2676281#M764826</guid>
      <dc:creator>lg8302ch</dc:creator>
      <dc:date>2013-12-25T13:13:42Z</dc:date>
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    <item>
      <title>Re: Nice APR lowering from NFCU</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Nice-APR-lowering-from-NFCU/m-p/2676331#M764845</link>
      <description>Woohoo!! Nice Christmas present!</description>
      <pubDate>Wed, 25 Dec 2013 15:11:05 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Nice-APR-lowering-from-NFCU/m-p/2676331#M764845</guid>
      <dc:creator>baller4life</dc:creator>
      <dc:date>2013-12-25T15:11:05Z</dc:date>
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    <item>
      <title>Re: Nice APR lowering from NFCU</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Nice-APR-lowering-from-NFCU/m-p/2676335#M764847</link>
      <description>Congrats! You inspired me to try with my BoA -- got a rep that made me confused with what she said... she didn't answer some of my questions. I just gave up. Didn't want to have a nasty experience on Christmas day. lol</description>
      <pubDate>Wed, 25 Dec 2013 15:22:35 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Nice-APR-lowering-from-NFCU/m-p/2676335#M764847</guid>
      <dc:creator>Kenny</dc:creator>
      <dc:date>2013-12-25T15:22:35Z</dc:date>
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    <item>
      <title>Re: Nice APR lowering from NFCU</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Nice-APR-lowering-from-NFCU/m-p/2676415#M764877</link>
      <description>&lt;P&gt;Credit Unions rock, end of story&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Congrats, OP&lt;/P&gt;</description>
      <pubDate>Wed, 25 Dec 2013 17:11:14 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Nice-APR-lowering-from-NFCU/m-p/2676415#M764877</guid>
      <dc:creator>longtime_lurker</dc:creator>
      <dc:date>2013-12-25T17:11:14Z</dc:date>
    </item>
    <item>
      <title>Re: Nice APR lowering from NFCU</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Nice-APR-lowering-from-NFCU/m-p/2676503#M764910</link>
      <description>&lt;P&gt;Nice, 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>Wed, 25 Dec 2013 18:46:27 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Nice-APR-lowering-from-NFCU/m-p/2676503#M764910</guid>
      <dc:creator>gdale6</dc:creator>
      <dc:date>2013-12-25T18:46:27Z</dc:date>
    </item>
    <item>
      <title>Re: Nice APR lowering from NFCU</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Nice-APR-lowering-from-NFCU/m-p/2676915#M765042</link>
      <description>Do you know if it was a hard or soft pull?</description>
      <pubDate>Wed, 25 Dec 2013 23:45:11 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Nice-APR-lowering-from-NFCU/m-p/2676915#M765042</guid>
      <dc:creator>USF813</dc:creator>
      <dc:date>2013-12-25T23:45:11Z</dc:date>
    </item>
    <item>
      <title>Re: Nice APR lowering from NFCU</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Nice-APR-lowering-from-NFCU/m-p/2676927#M765047</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/406556"&gt;@Smug&lt;/a&gt; wrote:&lt;BR /&gt;Called yesterday was having issues making a payment was able to go from 13.99 percent to 9.99 percent, next year trying for the 7.99 percent&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;Very nice! &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; Congrats!&lt;/P&gt;</description>
      <pubDate>Wed, 25 Dec 2013 23:50:14 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Nice-APR-lowering-from-NFCU/m-p/2676927#M765047</guid>
      <dc:creator>DaylightSlaving</dc:creator>
      <dc:date>2013-12-25T23:50:14Z</dc:date>
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    <item>
      <title>Re: Nice APR lowering from NFCU</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Nice-APR-lowering-from-NFCU/m-p/2676987#M765071</link>
      <description>&lt;P&gt;Great progress on the lowering of the APR!&lt;/P&gt;</description>
      <pubDate>Thu, 26 Dec 2013 00:26:19 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Nice-APR-lowering-from-NFCU/m-p/2676987#M765071</guid>
      <dc:creator>FinStar</dc:creator>
      <dc:date>2013-12-26T00:26:19Z</dc:date>
    </item>
    <item>
      <title>Re: Nice APR lowering from NFCU</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Nice-APR-lowering-from-NFCU/m-p/2677011#M765079</link>
      <description>&lt;P&gt;Congrats! Thanks for sharing.&lt;/P&gt;</description>
      <pubDate>Thu, 26 Dec 2013 00:36:41 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Nice-APR-lowering-from-NFCU/m-p/2677011#M765079</guid>
      <dc:creator>coldnmn</dc:creator>
      <dc:date>2013-12-26T00:36:41Z</dc:date>
    </item>
    <item>
      <title>Re: Nice APR lowering from NFCU</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Nice-APR-lowering-from-NFCU/m-p/2677687#M765271</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/406556"&gt;@Smug&lt;/a&gt; wrote:&lt;BR /&gt;Called yesterday was having issues making a payment was able to go from 13.99 percent to 9.99 percent, next year trying for the 7.99 percent&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;Congrats! Which card do you have with NFCU?&lt;/P&gt;</description>
      <pubDate>Thu, 26 Dec 2013 10:34:18 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Nice-APR-lowering-from-NFCU/m-p/2677687#M765271</guid>
      <dc:creator>DigitalArk</dc:creator>
      <dc:date>2013-12-26T10:34:18Z</dc:date>
    </item>
    <item>
      <title>Re: Nice APR lowering from NFCU</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Nice-APR-lowering-from-NFCU/m-p/2677879#M765307</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/725409"&gt;@DigitalArk&lt;/a&gt; wrote:&lt;BR /&gt;&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/406556"&gt;@Smug&lt;/a&gt; wrote:&lt;BR /&gt;Called yesterday was having issues making a payment was able to go from 13.99 percent to 9.99 percent, next year trying for the 7.99 percent&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;Congrats! Which card do you have with NFCU?&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;+1 Also wondering! Sounds like the Platinum? Congrats and good luck in the future.&lt;/P&gt;</description>
      <pubDate>Thu, 26 Dec 2013 16:34:44 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Nice-APR-lowering-from-NFCU/m-p/2677879#M765307</guid>
      <dc:creator>Scupra</dc:creator>
      <dc:date>2013-12-26T16:34:44Z</dc:date>
    </item>
    <item>
      <title>Re: Nice APR lowering from NFCU</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Nice-APR-lowering-from-NFCU/m-p/2678215#M765387</link>
      <description>&lt;P&gt;I was able to get both of my NFCU CC lowered to 6 % for one year.&lt;/P&gt;</description>
      <pubDate>Thu, 26 Dec 2013 19:47:40 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Nice-APR-lowering-from-NFCU/m-p/2678215#M765387</guid>
      <dc:creator>mt2va</dc:creator>
      <dc:date>2013-12-26T19:47:40Z</dc:date>
    </item>
    <item>
      <title>Re: Nice APR lowering from NFCU</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Nice-APR-lowering-from-NFCU/m-p/2678879#M765530</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/406556"&gt;@Smug&lt;/a&gt; wrote:&lt;BR /&gt;Called yesterday was having issues making a payment was able to go from 13.99 percent to 9.99 percent, next year trying for the 7.99 percent&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;awesome way to go&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>Fri, 27 Dec 2013 01:29:57 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Nice-APR-lowering-from-NFCU/m-p/2678879#M765530</guid>
      <dc:creator>wallyworld123</dc:creator>
      <dc:date>2013-12-27T01:29:57Z</dc:date>
    </item>
    <item>
      <title>Re: Nice APR lowering from NFCU</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Nice-APR-lowering-from-NFCU/m-p/2678893#M765533</link>
      <description>&lt;P&gt;OP, Congrats on lowering your APR...I got mine lowered by 3% last week.&lt;/P&gt;</description>
      <pubDate>Fri, 27 Dec 2013 01:39:28 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Nice-APR-lowering-from-NFCU/m-p/2678893#M765533</guid>
      <dc:creator>LearningMoreAboutCredit</dc:creator>
      <dc:date>2013-12-27T01:39:28Z</dc:date>
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