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.
My word you did all kinds of stuff....and it worked. I like that you can combine, good luck and congrats on the fourth approval.
Congratulations on your approval!
Thanks all, yes Laura I was busy, lol, I received all the info and training from reading this website.
You were really running the CSRs through their paces today, haha!
Somebody's been busy
Congrats on your approval and all of your other progress!