Been getting balances low in anticipation of a spree: seems to have paid off! App'd for NFCU Cash Rewards last December with an instant denial. This was also my last set of inq. My AoA is only around 10 months. One card reporting $5 with the rest at $0. Two installment accounts active: one mortgage and one secured loan ($65/1000).
NFCU Cash Rewards $19.5k 15%
PenFed Promise $6k 16%
Capital One QS $3k
BoA Cash Rewards $5k
Amex Hilton ?
? - Approved, but since Amex is inaccessible with my screenreader I wasn't able to get more information.
Can I recon the APR of any of these? With the Promise I am debating using the soon-to-come email survey to recon the limit.. although I also like that opportunity to recon the SL.