More incremental progress with CLIs and APR reductions

[LionLaw]

So I realized today that it had been more than 6 months since my last round of requests to my various credit card issuers, so I made the rounds.  Here's how I did:

Discover IT - Opened 2001 - 14.24% APR - CLI from $18,200 to $20,200

Amex Everyday - Backdated to 2006 - 21.49% APR - $35,000 CL - No Luck on a CLI or an APR reduction

Citi Double Cash - Opened 2012 - 17.24% APR - CLI from $6,700 to $8,200; No luck on an APR reduction

Bank of America Cash Rewards - Opened 2013 - 20.99% APR - $12,000 CL - No luck on an APR reduction

Citi ThankYou Preferred - Opened 2014 - CLI from $9,900 to $11,400; APR reduction from 18.49% to 14.24%

Not an earth-shattering day by any means, but I am happy with the results, expecially the big APR reduction on the TYP.  At this point, I'm more interested in getting my APRs down than I am with getting my credit limits up.  I'm very happy that I have two cards with sub-15% rates, and I'm going to keep pushing to see how low I can get them.

[JoeLuvsHisCredit]

congrats

[Anonymous]

Congrats on CLI's and apr reduction !!!!

[CreditInspired]

Not a bad haul. Congratulations.

[simplynoir]

Congrats on the CLIs and APR decreases

[kdm31091]

Amex doesn't really seem to entertain permanent APR reductions anymore. For the past year or so all I've really seen are 0% offers or temporary APR reductions. They used to be one of the most flexible with APR reductions, but I think they felt they were reducing people's rates too low, so they just kind of stopped it.

[AverageJoesCredit]

Nice job on the increases and Apr redux

[Marz2002]

YOU...

CONGRATES on the Very Nice CLIs and the reduced APRs!!!

[800FICOGoal]

Congratulations on your increases!!!!

[LionLaw]

Amex doesn't really seem to entertain permanent APR reductions anymore. For the past year or so all I've really seen are 0% offers or temporary APR reductions. They used to be one of the most flexible with APR reductions, but I think they felt they were reducing people's rates too low, so they just kind of stopped it.

This is SO FRUSTRATING.  I am a big Amex fan--my Gold card gets most of my swipes--but the terrible APR on my Everyday card makes it the black sheep of my sock drawer.  I don't want to close it, since it's backdated to 2006 and has a $35,000 CL.  But that APR is rough, and if I am stuck with it permanently, that really sucks.