Barclay SallieMae SP CLI & APR Reduced

Kostya1992 · ‎12-18-2015

Just going to leave this here for datapoint purposes.

Called number on back of card and asked for APR reduction, was transffered.

Once transffered, asked which departament I am talking to, told me it's retentions (yusssss)

Asked if there are any promotions such as APR reductions, 0% APR promotions, spending promotions, or limit increases that don't require HP

Agent told me I quality for a 5% APR reduction (20.99>16.99) and a limit increase from 6300 to 8800 (SP).

Card opened June of this year.

TU08 FICO	850
EX08 FICO	850
EQ08 FICO	850

newhis · ‎12-18-2015

Congrats

CreditMagic7 · ‎12-18-2015

Good job on the effort with that APR reduction and Congrats! on the new limit too!

alextercero · ‎12-18-2015

Congrats

Current Credit Cards

NFCU More Rewards | CL $4500 | APR 15.40% | 08/2021

Capital One Quicksilver One | CL $6600 | APR 31.74% | 09/2021

Capital One Quicksilver | CL $5500 | APR 31.74% | 02/2022

NFCU Cash Rewards | CL $4500 | APR 15.40% | 06/2022

Goldman Sack Apple Card | CL $6400 | APR 23.74% | 02/2024

NFCU Go Rewards | CL $33000 | APR 13.74% | 03/2024

CITI Bank Custom Cash | CL $3900 | APR 29.74% | 08/2024

Discover it | CL $3000 | APR 29.74% | 11/2024

CITI Bank Rewards+ | CL $5200 | APR 29.74% | 12/2024

Currently rebuilding as of (May 2021)

Current Fico Scores 8/9: (December 2024)

Credit Age:

Inquiries:

galahad15 · ‎12-18-2015

Congrats on the APR reduction and CLI!

US Bank Split WMC @ 0% grace period for 3-6-12 mos. on all purchases, 1.5% mo. fee for 6-12 mo. items, $15k

PACU Premier Privileges Rewards MC @ 7.5% F with 1.5% rewards, $20k

Unify FCU Variable-Rate VISA Platinum @ 8.49% V, $15k

EPFCU Smart Rewards MC @ 9.25% V with 1% rewards, $6.5k

FNBO BucksBack VS @ 9.75% V with 1.5% rewards, $85k

BoA Customized Cash Rewards WMC @ 9.99% F with 3.75% cat. rewards (Preferred Rewards), $50k

Andrews FCU Titanium Rewards VS @ 11.49% V with 3%/1.5% rewards, $5k

BoA Unlimited Cash Rewards VS @ 12.74% V with 1.88% rewards (Preferred Rewards), $17.6k

Cap1 Venture MC @ 13.4% V with no AF, 2% rewards, $24k

Unify FCU Fixed-Rate VISA Platinum @ 14.49% F, $25k

BoA Customized Cash Rewards MC @ 15.49% V with 3.75% cat. rewards (Preferred Rewards), $14.3k

Redstone FCU VS @ 15.75% V with 5%/3%/1.5% rewards, $10k

AOD FCU VS @ 16.25% V with 3% rewards, $7.5k

PenFed Pathfinder Rewards VS @ 16.99% V with no AF, 4x/1.5x rewards points/dollar, $12.5k

BoA Customized Cash Rewards MC @ 17.49% V with 3.75% cat. rewards (Preferred Rewards), $20.4k

Citi DC WEMC @ 17.49% V wuth 2% rewards, $8.9k

AAA Daily Advantage VS @ 17.74% V with 5%/3% cat. rewards, $12.5k

Amazon Prime VS @ 17.74% V with 5% cat. rewards, $35k

US Bank Cash+(x2) @ 18.49% V with 5% cat. rewards, $32k

Cap1 T-Mobile VS @ 18.49% V with 5% on all T-Mobile purchases / 2% on all other purchases, $12k

PayPal CashBack MC @ 18.74% V with 3%/1.5% rewards, $25k

Wells Fargo Autograph VS (x2) @ 18.99% V with 3% cat. rewards, $42.5k

FNBO BucksBack VS @ 19.49% V with 2% rewards, $23.5k

Citi Custom Cash WEMC @ 21.49% V with 5% cat. rewards, $39.32k

Citi Custom Cash WEMC @ 21.49% V with 5% cat. rewards, $5k

Amex BCE @ 24.74% V with 3% cat. rewards, $25k

WF Attune WEMC @ 28.74% V with 4% cat. rewards, $2.5k

PayPal Credit MC @ 29.89% V with 0% / 6 mos. on all PP purchases $149+, $10k

Former cards:

DMB Titanium MC @ 90-day, 0% grace period | $4k BEFCU MC @ 5.49% F | $21.9k Citi DPR @ 5.99% F | Chase Platinum MC @ Prime+1.67%

Anonymous · ‎12-18-2015

Good job and enjoy it...

heyitsyeh · ‎12-18-2015

Congrats dude! Great example to follow for those interested in Barclays CLI.

TU: 777 | EQ: 814 | EX: 764
Last INQ: 3/26/21
AAoA: 4y 7m
Lowest limit: Chase Freedom Visa - $13,000
Highest limit: Discover It - $56,500
Available credit: $200,600 (8 cards)

Anonymous · ‎12-18-2015

Nice, congrats on your success !!!

ScoreOrBeScored · ‎12-18-2015

Congrats and thank you for this post. I called and did exactly what you did and I got $4k cli SP and April reduction 16.99% ----->12.99%

Anonymous · ‎12-19-2015

Congrats! What's your usage like on the card?