$8,600 limit at 19.99% APR with 0% APR first 15 months. $300 SUB for $1,000 spend in first three months.
Stats:
Income: $80k
Score/bureau: 778, Experian Bankcard 8
Inquiries: 1/6, 2/12, 7/24
No derogatory marks
AoOA: 9.5 years
AAoA: 3.9 years
AoYA: 6 months
Aggregate utilization: 13%
Individual utilization, limits, account age:
$8.9k / $15.9k (57%) - 6 months
$1k / $14k (7%) - 2 yr 8 mo
$0.2k / $4.8k (5%) - 1 yr 8 mo
$79 / $30k (0%) - 3 yr 7 mo
$0 / $9k (0%) - 3 yr 11 mo
$0 / $3.1k (0%) - 3 yr 11 mo
I also have a 2.5 year old mortgage and 3 open installment loans, one 1.5 years old of 72 months and the other two of which are around 9 years old and under 20% of their original balances.
I am not thrilled with my APR but when I got my Citi Double Cash I was able to work them down to the lowest APR via chat over three consecutive days so that's worth a shot.
Happy Thanksgiving, everyone!
