Well bored in the garden so chatted and asked for an APR reduction on my Amex HHonors card and like usual they were happy to help me with it. I plan on moving some of my Amex ED limit 26k over to my HHonors account 2k next month when my ED hits 13 months old. So wanted the best rate I could get on my no AF hhonors card incase I want to carry a balance at a great APR! So ya 8.99%.. Will hit them up in another month, although I suspect I am getting near the bottom of what they will offer me!
@CreditCuriousity wrote:Well bored in the garden so chatted and asked for an APR reduction on my Amex HHonors card and like usual they were happy to help me with it. I plan on moving some of my Amex ED limit 26k over to my HHonors account 2k next month when my ED hits 13 months old. So wanted the best rate I could get on my no AF hhonors card incase I want to carry a balance at a great APR! So ya 8.99%.. Will hit them up in another month, although I suspect I am getting near the bottom of what they will offer me!
Hehehe. How long have you been in the Garden CC? 12 hours?? Lol. Sweet Rate on the HH card. I can't beleive ive been in the Garden 4 months now. I guess i have everything i need at this point. Had 5 inqs drop off my experian this month. Down to only 20. hehehe. I apoligize. I see a spade in your siggy. Wow.
^^^ LOL at the 12 hours comment 
!!
@taxi818 wrote:
@CreditCuriousity wrote:Well bored in the garden so chatted and asked for an APR reduction on my Amex HHonors card and like usual they were happy to help me with it. I plan on moving some of my Amex ED limit 26k over to my HHonors account 2k next month when my ED hits 13 months old. So wanted the best rate I could get on my no AF hhonors card incase I want to carry a balance at a great APR! So ya 8.99%.. Will hit them up in another month, although I suspect I am getting near the bottom of what they will offer me!
Hehehe. How long have you been in the Garden CC? 12 hours?? Lol. Sweet Rate on the HH card. I can't beleive ive been in the Garden 4 months now. I guess i have everything i need at this point. Had 5 inqs drop off my experian this month. Down to only 20. hehehe. I apoligize. I see a spade in your siggy. Wow.
1.5 months approx. in the garden. Took a 21 point EQ 08 hit when my Ritz hit.. Not sure why if I was rebucketed or what as nothing has changed other than new account and a AAoA hit. Hoping to claw that back while I try to garden for 12 months then some! Weird thing is my Mortgage Score went up by 10 points.. Strange!
