Mom's BBT Spectrum Cash Rewards *Updated*

[Anonymous]

Congrats on her new card and a great SL.

[CreditCuriosity]

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@Anonymous wrote:

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@Harvey26 wrote:
Hey Fico Family,

@Anonymous has been pretty sour about her 23% rate from Amex. We went to local BBT branch and applied intsantly approved for 15K @ 0% for 12 months on purchases and balance transfers after 14.99%
@Pulled EQ @ 788

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Memory grows dim ... seemed to me that you could work with American Express and lower your Aprs. Looking at my distant past I thought I was able to reduce Aprs over time. Food for thought if it is still relevant today.

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Can't do until the 15 month 0% apr promo is over.. Also amex has cut WAY back on lowering APR's I use to get them like candy and nope not anymore as most people get denied as well these days on their requests as well.. Amex tends to do temporary 0% apr's over permanent lower apr these days

[woodyman100]

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@CreditCuriosity wrote:

Biggest limit I have seen on card on this forum does she bank with them?

Regarding her magnet you can't get much better than 0% for 15 months on a CC especially with limits Amex hand out... After that time period it certainly isnt meant to be used to carry balances as many better cards for that as it is a rewards card.  If she wants a low APR card banks exist and CU's exist for that purpose without rewards cards

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Amen!!!! Shout it Brother!

[woodyman100]

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@pipeguy wrote:

Good job - always follow the love. Nothing wrong with having several cards, but I have to admit 23% on an AmEx is not showing much love. 

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I have to admit that it would hurt my feelings too.

Synchrony not so much, but Amex yes. I don’t blame OP for getting a case of the reda**.