One of the repliers (@debtphobe ) to a previous post about my CLI approval on my Platinum card stated I should request an APR reduction from the 10.99% I presently have. Sent this message over the online portal yesterday and waiting for an email response back.
I'm making this inquiry in hopes of getting a reduction in my APR down to 5.99% as I have excellent credit with multiple accounts with you in excellent standing as well as sizable money in the checking account. Please review me for this request and look forward to hearing back from you. TIA
@SUPERSQUID wrote:Hi, not to distract from your question.
I notice in your siggy you have a kohls card with a 6500 cl? Is that true?
It has been posted that 3k is the max cl on that card.
Probably grandfathered in; $3K is the typical maximum CL now. I've seen $6K before, but they are few and far in between. (Not to speak for the OP, but that's my guess!)
It started out at $1800 many years ago
@SUPERSQUID wrote:Hi, not to distract from your question.
I notice in your siggy you have a kohls card with a 6500 cl? Is that true?
It has been posted that 3k is the max cl on that card.
and I kept asking for CLI's until the last 3x I've had no luck in a CLI. I use it 1x per year just so they don't close it, my CL's in my siggy are kept up to date.
This just came in, looks like they didn't want to give me 5.99% (you gotta swing for the fences when asking) but 6.99% is better than 10!!!
Navy Federal Response 02/23/2022 : Thank you for using Navy Federal's eMessaging Service, Mr. ********. You are eligible for a reduction to 6.99% on your Platinum Visa account. Please be advised this is only a quote effective at the time of this eMessage. Your APR is variable and may change at any time without further notice. If you accept this reduction, you must retain the rate for 12 months before requesting another rate decrease evaluation. Please reply to this message if you wish to accept this rate.
Your Message 02/22/2022 : I'm making this inquiry in hopes of getting a reduction in my APR down to 5.99% as I have excellent credit with multiple accounts with you in excellent standing as well as sizable money in the checking account. Please review me for this request and look forward to hearing back from you. TIA
@MauiMan85297 wrote:One of the repliers (@debtphobe ) to a previous post about my CLI approval on my Platinum card stated I should request an APR reduction from the 10.99% I presently have. Sent this message over the online portal yesterday and waiting for an email response back.
I'm making this inquiry in hopes of getting a reduction in my APR down to 5.99% as I have excellent credit with multiple accounts with you in excellent standing as well as sizable money in the checking account. Please review me for this request and look forward to hearing back from you. TIA
I know you can request a reduction on an APR each year on the anniversary of the date the CC account was opened. I did not know (or have I ever heard) of actually making a request to what you would like the APR to be. Good luck to you, I look forward to see if you get this. 
