I received the "Price you pay for credit" letter the other day and honestly, I was shocked that my internal score was as high as it is. I'm fairly sure it was in the 200's when I started. I'll try to find my original denial letter. I believe it is on there. My nRewards card has a APR on the higher side (16.24%) but that is still 8-10% lower than my other rebuild cards. I'm looking forward to lower rates in the future. Just wanted to post for comparison.
Quick Question:
Will a they lower my APRs as my credit improves, will I have apply for new cards later on with lower APRs? I'm a ways off, but always looking for next steps.
