Hmm, I got an email like that, I was a bit surprised they did it on my baby starter card they haven't raised the limit on in over a decade. I keep requesting a higher limit every 3 month on my Customized Cash Rewards card, but alas, they keep mentioning past last payments from when I got behind 60 days about 7 years ago... Here's what the email looks like:
Last year I called BOA with a question and was randomly offered 5.99% for 12 months. I don't carry a balance, but I went ahead and took it.
Back in 2021 Amex send a letter offering 0% for 12mo on my Delta Skymiles platinum. I jumped on that as I was planning on purhasing some ham radio equipment the next month. $3k free use of their money for a year. Not a bad deal.
@Anonymous wrote:
@Dilbert934 wrote:Last year I called BOA with a question and was randomly offered 5.99% for 12 months. I don't carry a balance, but I went ahead and took it.
Temporary rate reduction offers like these are common (not to say they aren't useful!) Where OP (and now others) rate reduction differs is that it is not fixed term, just the new rate
Yea, it was more of a DP. I've been with BOA since HS and had their CC for about 30 years and have never seen an actual rate drop.
lol APRs are absurd right now. My lowest is 18% from PenFed. Everything went up.
US Bank Platnum is 19.74%
My utilization being so high is very likely why I stopped seeing them. There when you don't need it, gone when you do.
