@FinStar wrote:
@Kostya1992 wrote:
@Kenny wrote:
Why not try with frontline CSR or underwriter first? I know people have had success before just calling and asking for lower APR.Tried, they said nothing they can do
Just FYI - the EO typically will back the original UW decision with the approval and will not lower the APR. The best option is for the card to be used and establish some history, then determine later whether it would be elegible for a review to lower the APR (all based on creditworthiness and internal history).
My credit score is higher (only like 15, from 740ish to 758), I PIF and the u/w dept recognized that out on their SM, and I'm still at 24.99% 
haha.
Very confusing. It'll be interesting if they change the rhetoric for me at the 1 year mark.
@longtime_lurker wrote:
@FinStar wrote:
@Kostya1992 wrote:
@Kenny wrote:
Why not try with frontline CSR or underwriter first? I know people have had success before just calling and asking for lower APR.Tried, they said nothing they can do
Just FYI - the EO typically will back the original UW decision with the approval and will not lower the APR. The best option is for the card to be used and establish some history, then determine later whether it would be elegible for a review to lower the APR (all based on creditworthiness and internal history).
My credit score is higher (only like 15, from 740ish to 758), I PIF and the u/w dept recognized that out on their SM, and I'm still at 24.99%
Very confusing. It'll be interesting if they change the rhetoric for me at the 1 year mark.
Well, with Barclays, if one falls into a specific risk "bucket" based on their review or assessment of your overall credit profile (plus income and other criteria), then that's how some APRs will be assigned. It's all about risk-based pricing. If one has too many inquiries, new accounts, balances that seem high in proportion to overall lines, etc., then one would not expect to get approved with the best terms
@FinStar wrote:
@longtime_lurker wrote:
@FinStar wrote:
@Kostya1992 wrote:
@Kenny wrote:
Why not try with frontline CSR or underwriter first? I know people have had success before just calling and asking for lower APR.Tried, they said nothing they can do
Just FYI - the EO typically will back the original UW decision with the approval and will not lower the APR. The best option is for the card to be used and establish some history, then determine later whether it would be elegible for a review to lower the APR (all based on creditworthiness and internal history).
My credit score is higher (only like 15, from 740ish to 758), I PIF and the u/w dept recognized that out on their SM, and I'm still at 24.99%
Very confusing. It'll be interesting if they change the rhetoric for me at the 1 year mark.
Well, with Barclays, if one falls into a specific risk "bucket" based on their review or assessment of your overall credit profile (plus income and other criteria), then that's how some APRs will be assigned. It's all about risk-based pricing. If one has too many inquiries, new accounts, balances that seem high in proportion to overall lines, etc., then one would not expect to get approved with the best terms
It's just odd to me that I'm tier 1 on SM and lowest tier on Aviator . Like, nah much safer spending about 3x more of a CL than he has on Aviator...
I did add 2 AMEXs that were backdated to 1/13 and my Cash + since getting SM, so I can understand that reasoning. I know that my backdating is easily seen by an underwriter
@longtime_lurker wrote:
@FinStar wrote:
@longtime_lurker wrote:
@FinStar wrote:
@Kostya1992 wrote:
@Kenny wrote:
Why not try with frontline CSR or underwriter first? I know people have had success before just calling and asking for lower APR.Tried, they said nothing they can do
Just FYI - the EO typically will back the original UW decision with the approval and will not lower the APR. The best option is for the card to be used and establish some history, then determine later whether it would be elegible for a review to lower the APR (all based on creditworthiness and internal history).
My credit score is higher (only like 15, from 740ish to 758), I PIF and the u/w dept recognized that out on their SM, and I'm still at 24.99%
Very confusing. It'll be interesting if they change the rhetoric for me at the 1 year mark.
Well, with Barclays, if one falls into a specific risk "bucket" based on their review or assessment of your overall credit profile (plus income and other criteria), then that's how some APRs will be assigned. It's all about risk-based pricing. If one has too many inquiries, new accounts, balances that seem high in proportion to overall lines, etc., then one would not expect to get approved with the best terms
It's just odd to me that I'm tier 1 on SM and lowest tier on Aviator
I did add 2 AMEXs that were backdated to 1/13 and my Cash + since getting SM, so I can understand that reasoning. I know that my backdating is easily seen by an underwriter
I'm calling in the morning as well to try for lower APR on my AA card as well as SP CLI. Im at 24.99 on that card and 13.99 on SM.
Irish80 wrote:
longtime_lurker wrote:
FinStar wrote:
Well, with Barclays, if one falls into a specific risk "bucket" based on their review or assessment of your overall credit profile (plus income and other criteria), then that's how some APRs will be assigned. It's all about risk-based pricing. If one has too many inquiries, new accounts, balances that seem high in proportion to overall lines, etc., then one would not expect to get approved with the best terms
It's just odd to me that I'm tier 1 on SM and lowest tier on Aviator
I did add 2 AMEXs that were backdated to 1/13 and my Cash + since getting SM, so I can understand that reasoning. I know that my backdating is easily seen by an underwriter
I'm calling in the morning as well to try for lower APR on my AA card as well as SP CLI. Im at 24.99 on that card and 13.99 on SM.
Well good luck! I think it's weird that U/W isn't who does APR reductions. I set my CA limit to 1 through U/W today, and he had to transfer me to another department. If I'm not mistaken, you get transferred to rentention - which doesn't make any sense to me. One would think, in my head anyways, that U/W is determining risk so U/W should determine APR reductions.
@longtime_lurker wrote:@Anonymous wrote:
@longtime_lurker wrote:
@FinStar wrote:
Well, with Barclays, if one falls into a specific risk "bucket" based on their review or assessment of your overall credit profile (plus income and other criteria), then that's how some APRs will be assigned. It's all about risk-based pricing. If one has too many inquiries, new accounts, balances that seem high in proportion to overall lines, etc., then one would not expect to get approved with the best terms
It's just odd to me that I'm tier 1 on SM and lowest tier on Aviator
I did add 2 AMEXs that were backdated to 1/13 and my Cash + since getting SM, so I can understand that reasoning. I know that my backdating is easily seen by an underwriter
I'm calling in the morning as well to try for lower APR on my AA card as well as SP CLI. Im at 24.99 on that card and 13.99 on SM.
Well good luck! I think it's weird that U/W isn't who does APR reductions. I set my CA limit to 1 through U/W today, and he had to transfer me to another department. If I'm not mistaken, you get transferred to rentention - which doesn't make any sense to me. One would think, in my head anyways, that U/W is determining risk so U/W should determine APR reductions.
I agree strange. I'm also calling to set my limit to on cash back. Did you fund Citi with it?
@Anonymous wrote:
@longtime_lurker wrote:@Anonymous wrote:
@longtime_lurker wrote:
@FinStar wrote:
Well, with Barclays, if one falls into a specific risk "bucket" based on their review or assessment of your overall credit profile (plus income and other criteria), then that's how some APRs will be assigned. It's all about risk-based pricing. If one has too many inquiries, new accounts, balances that seem high in proportion to overall lines, etc., then one would not expect to get approved with the best terms
It's just odd to me that I'm tier 1 on SM and lowest tier on Aviator
I did add 2 AMEXs that were backdated to 1/13 and my Cash + since getting SM, so I can understand that reasoning. I know that my backdating is easily seen by an underwriter
I'm calling in the morning as well to try for lower APR on my AA card as well as SP CLI. Im at 24.99 on that card and 13.99 on SM.
Well good luck! I think it's weird that U/W isn't who does APR reductions. I set my CA limit to 1 through U/W today, and he had to transfer me to another department. If I'm not mistaken, you get transferred to rentention - which doesn't make any sense to me. One would think, in my head anyways, that U/W is determining risk so U/W should determine APR reductions.
I agree strange. I'm also calling to set my limit to on cash back. Did you fund Citi with it?
Yes I did! 
I did 2000/2500, I figured I wouldn't max the individual card.
How much did you fax in for on the auth?
@longtime_lurker wrote:
@Anonymous wrote:
@longtime_lurker wrote:@Anonymous wrote:
@longtime_lurker wrote:
@FinStar wrote:
Well, with Barclays, if one falls into a specific risk "bucket" based on their review or assessment of your overall credit profile (plus income and other criteria), then that's how some APRs will be assigned. It's all about risk-based pricing. If one has too many inquiries, new accounts, balances that seem high in proportion to overall lines, etc., then one would not expect to get approved with the best terms
It's just odd to me that I'm tier 1 on SM and lowest tier on Aviator
I did add 2 AMEXs that were backdated to 1/13 and my Cash + since getting SM, so I can understand that reasoning. I know that my backdating is easily seen by an underwriter
I'm calling in the morning as well to try for lower APR on my AA card as well as SP CLI. Im at 24.99 on that card and 13.99 on SM.
Well good luck! I think it's weird that U/W isn't who does APR reductions. I set my CA limit to 1 through U/W today, and he had to transfer me to another department. If I'm not mistaken, you get transferred to rentention - which doesn't make any sense to me. One would think, in my head anyways, that U/W is determining risk so U/W should determine APR reductions.
I agree strange. I'm also calling to set my limit to on cash back. Did you fund Citi with it?
Yes I did!
How much did you fax in for on the auth?
I haven't done anything yet. Doing all that tomorrow and haven't decided on amount yet. Not going to go crazy though