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Unfortunately, called the provided number and received nothing...no APR reduction...no SP CLI. My 11th statement was just cut and I have had 0 auto-CLIs
One more month and the promotional APR goes away (I have never carried a balance past the due date so this is inconsequential) and I am about to get hit with the AF.
Other data points for reference
Card: Arrival+ WEMC
Starting limit (and current limit): $7500
APR (after promo expires): 21.99% (The analyst commented that this was the best rate they offer......which sounds ridiculous)
Amount spent on card per month: ~$2000-$2500
Personally, I would BT to another card that offers CLI and a lower APR.
That is just me. I don't like Barclays but I am stuck with their rewards Visa until something else comes along over the next 1-2 years.
Can't app for anything for at least 6 months and maybe up to 24 (too many inquires and accounts need to age).
I figured their "best rate" was just a ploy to get the call moving towards the end. I will call again on Monday to see if I can at least get it lowered.
@Anonymous wrote:I figured their "best rate" was just a ploy to get the call moving towards the end. I will call again on Monday to see if I can at least get it lowered.
Also, they may be more likely to offer a soft-pull CLI after you've been with them a year. Just a guess.
Never give up. Never surrender.
This thread got me thinking... when I called to swap credit lines in November, the person I spoke with told me that they had a SP CLI offer available for one of the cards. That gave me an additional $2000. The APR on my Apple card is 18.99% and 22.99% on the Rewards card. I think I'm going to see if I can get both of them down to 18.99%. Maybe there will be an offer available for the second card.
@masscredit wrote:This thread got me thinking... when I called to swap credit lines in November, the person I spoke with told me that they had a SP CLI offer available for one of the cards. That gave me an additional $2000. The APR on my Apple card is 18.99% and 22.99% on the Rewards card. I think I'm going to see if I can get both of them down to 18.99%. Maybe there will be an offer available for the second card.
Never hurts to try...unless your rep is outsourced, doesn't speak english well and hard pulls you before you have time to say "no."
I just spoke with a super nice lady through the Backdoor number. I asked for an APR reduction and she said she couldn't do that so I asked about a CLI. I was worried about how much I should ask for becuase they just approved me yesterday at 5k, so I only went for 10k and she approved it right away. Probably should have tried for higher, but I am happy.