so after reading a few instances of rate drops and cli's i decided to give them a so call glad i did! called the # on the back of the card, ask the front line rep if i was eligible for a lower apr, put on hold came back and ok i am going to transfer you to a relationship mgr. she comes on the line and says i see you are inquiring about a lower apr for your rewards mastercard. lets see i see you are at 21.xx% i can take it down to 17.xx at this time, would you like me to apply it? sure went over the disclosures and w/ out me even asking she says well it looks like i maybe able to offer you a cli at this time too which would not require a credit pull, would you like me to check for you? sure as long is its not a hard pull, ok yes it will not result in a hard pull so let me go ahead and check that for you, ok i can increase your line by $2,500 would you like me to apply that as well? sure go ahead, ok let me check one last thing it looks like i can also offer you 0% for new purchases till 2/16 would you like me to apply this as well? yup please do! ok so your standard rate is now 17.xx and your line is now $8,100, the 0% will be for new purchases till 2/16 will go into effect tomorrow. ok thanks for all your help!
so for those on the fence its worth taking 5-10 mins to call them. now the delmina discover or barclay....i was planing on buying a grill and either a xbox or ps4 next month so i wiould get at least 10% back -5now 5 later, but now i have a 0 apr offer, what to do what to do! at least its a good problem to have!
i've had the card since 2012 double auto cli @ 6 and again at 12 months nothing since, sometimes i carry a bal of under 1k. i have my cable and cell auto bill to it so it does get monthly use no matter what. i did just pay in full yesterday
Amx BCE-25k,Amx Zync-NSPL
Barclay's Mastercard-13.5k
Credit Union Visa-1k
Discover-24k, Khols-2k
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