Had this card almost a year, sl 3k @22+% and 9.99 for cabala purchases. Dec HP cli to 10k, I was board so called in 2 weeks ago requesting only reduced interest, I never carry a balance. Told me not instant. Had to wait for letter. Today it came, "Because you are a valued customer, we are able to lower your interest rate to... 11.97% and 7.99% for cabalas purchases".
Was a sp apparently. Current DP's
FICO EQ 778, FICO EX 716, FICO TU 765. 1% UTL. 6new accounts in less than 6mos.
I'll be doing the cli on the 19th (1yr date), but with 35 inq on Eq, I will try for a sp if not than I may just wait. I wanna take this card to the 25k.
While I don't carry a balance, yesterday my roof blew off during very high winds (upstate NY), trying to avoid insurance claim, so may need to carry a small balance for a few months, so may have worked out well.
Mod note: I've updated your subject to reflect your CLI approval; feel free to change/edit if you would like. --UB
CONGRATS on the apr & cli.
What? 35 on EQ... how many total on all 3b? You're living credit life on the wild side.
Congrats on CLI