Congrats Cain!!! I think that reduction is still big!!! Awesome day!!! 
@-Cain- wrote:Hey all, just wrapped up a phone call with the EO office and came away with a couple things I didn't think were gonna be possible...
As you may have read in previous posts, my card started off fully secured in 2011 for $500 and a 20.24%APR. Graduated at 11 months with a 2x CLI to $1k, APR stayed the same. Always current, balances reported varied to see if anything would trigger an auto-CLI, but never got one, and I never requested one as I just didn't want a hard pull.
After 4 years, I called in to see if there was a lower APR for me, the frontline CSR told me none available, maybe with a HP. I thought about and a few days later asked for HP CLI, asking for $10k. Due to a fraud alert, I had to wait for a call and ended up getting hit with a TU pull AND and EX pull, as my account wasn't showing on TU. they countered at $7.5k, I accepted and asked about a lower APR. at this point I was told that my account would never be eligible for a lower APR due to its original status as a secured card. I'd have to reapply for another card. I didn't want another card right now, and this is my oldest tradeline, so I was very frustrated.
A few days later after commenting on a post and advising to reach for the stars, the post's author said she had success going through EO. I tried it and today I got a call back. My MLB Platinum Rewards MC would be product changed to a Visa Signature and while apparently there really wasn't a lower APR in the system for me, they were able to lower it from 20.24% to 18.99%. Not a real big jump, but a victory nonetheless.
Sorry about the long post everybody, just wanted to share my story with you. This board has been great!
Cain!!!! I called BoA again today and asked if i'm eligible for an APR reduction! I got my APR lowered as well!!! What you did with your card inspired me to call again! Thank you!!!!
@kimjks2003 wrote:
@-Cain- wrote:Hey all, just wrapped up a phone call with the EO office and came away with a couple things I didn't think were gonna be possible...
As you may have read in previous posts, my card started off fully secured in 2011 for $500 and a 20.24%APR. Graduated at 11 months with a 2x CLI to $1k, APR stayed the same. Always current, balances reported varied to see if anything would trigger an auto-CLI, but never got one, and I never requested one as I just didn't want a hard pull.
After 4 years, I called in to see if there was a lower APR for me, the frontline CSR told me none available, maybe with a HP. I thought about and a few days later asked for HP CLI, asking for $10k. Due to a fraud alert, I had to wait for a call and ended up getting hit with a TU pull AND and EX pull, as my account wasn't showing on TU. they countered at $7.5k, I accepted and asked about a lower APR. at this point I was told that my account would never be eligible for a lower APR due to its original status as a secured card. I'd have to reapply for another card. I didn't want another card right now, and this is my oldest tradeline, so I was very frustrated.
A few days later after commenting on a post and advising to reach for the stars, the post's author said she had success going through EO. I tried it and today I got a call back. My MLB Platinum Rewards MC would be product changed to a Visa Signature and while apparently there really wasn't a lower APR in the system for me, they were able to lower it from 20.24% to 18.99%. Not a real big jump, but a victory nonetheless.
Sorry about the long post everybody, just wanted to share my story with you. This board has been great!
Cain!!!! I called BoA again today and asked if i'm eligible for an APR reduction! I got my APR lowered as well!!! What you did with your card inspired me to call again! Thank you!!!!
Never settle!