It's been awhile since I've post here, very busy 2019. I've been very inactive with the all the activity that makes this such a great and fun place to visit. I did a recent refi on my VA loan and wanted to see if I could get a few APR reductions on any of my cards. I missed the activity but initially didn't want any new accounts.
So I started off by requesting and receiving a $4.5k sp cli on my Citi DC which increased my limit to $15.2k. Yesterday I sent a secure message to NFCU and asked for a APR reduction on my cash rewards card and it was reduced from 13.65% to 11.65%, I can live with that. I then became bolder and chatted with AMEX and was able to reduce my BCE from 18.99% to 13.99%, no promo (big smile). Looked at my capital one(sigh).
I then looked at prequals for Chase (never) and for fun checked Discover; low and behold I saw a preapproval for 14 months @ 0%, 13.74% therafter. I decided to pull the trigger and had to call to verify that I actually applied. I was approved with a SL of $7.5K and cashback match. This became my fourth Disco approval over the years. my first one was in 2015 for $1k @20.99 which I cancelled without even using. I tried again in 2016 and was again approved for $1k @19.99 which I accepted and was able to grow to $4.5k. In 2018 I applied and received another approval for $1k @ 13.99 which I accepted, giving me two active accounts. I was given a cli to $2k on the new account at 60 days. I proceeded to close the $4500 card with the higher APR and transferred that limit to my 2018 card for a total of $7.5k. After 6 months of trying, they finally gave me a $500 cli. bringing my limit to $8K. Numerous cli denials later I was finally approved two weeks ago, for a cli of $2k bring my limit to $10k. I guess at some point I'll try to combine the two current cards and in about 18 months I'll go for round 5.
AU
