CSP and Freedom combo

[Closingracer99]

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@mongstradamus wrote:

From reading this entire thread i am not going to look forward to my 18.99 apr when my 0% ends in jan :-(

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At least not most of your cards have 22%+ APR% lol.  Besides my CS ,  CSP  and discover (19.99% because of pressure approved mail app)  all my cards are the highest APR avaliable around 22% +     

[mongstradamus]

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@Closingracer99 wrote:

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@mongstradamus wrote:

From reading this entire thread i am not going to look forward to my 18.99 apr when my 0% ends in jan :-(

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At least not most of your cards have 22%+ APR% lol.  Besides my CS ,  CSP  and discover (19.99% because of pressure approved mail app)  all my cards are the highest APR avaliable around 22% +     

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My BCP is 20.99 % too , ouchie i wonder if there will be any chance to see if i could get those aprs lowered when they aren't 0% anymore. I plan on PIF every month , but just in case when things get crazy :-(

[09Lexie]

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@mongstradamus wrote:

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@Closingracer99 wrote:

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@mongstradamus wrote:

From reading this entire thread i am not going to look forward to my 18.99 apr when my 0% ends in jan :-(

---

At least not most of your cards have 22%+ APR% lol.  Besides my CS ,  CSP  and discover (19.99% because of pressure approved mail app)  all my cards are the highest APR avaliable around 22% +     

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My BCP is 20.99 % too , ouchie i wonder if there will be any chance to see if i could get those aprs lowered when they aren't 0% anymore. I plan on PIF every month , but just in case when things get crazy :-(

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I'm sure you can, remember just because they post a 'fixed rate' doesn't mean they cannot go lower.  Awhile back there was a thread on getting the APR reduced on Amex Delta/Hilton cc's. Supposedly they are all fixed too.  However, some including myself were able to get our rates reduced.  

[mongstradamus]

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@09Lexie wrote:

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@mongstradamus wrote:

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@Closingracer99 wrote:

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@mongstradamus wrote:

From reading this entire thread i am not going to look forward to my 18.99 apr when my 0% ends in jan :-(

---

At least not most of your cards have 22%+ APR% lol.  Besides my CS ,  CSP  and discover (19.99% because of pressure approved mail app)  all my cards are the highest APR avaliable around 22% +     

---

My BCP is 20.99 % too , ouchie i wonder if there will be any chance to see if i could get those aprs lowered when they aren't 0% anymore. I plan on PIF every month , but just in case when things get crazy :-(

---

I'm sure you can, remember just because they post a 'fixed rate' doesn't mean they cannot go lower.  Awhile back there was a thread on getting the APR reduced on Amex Delta/Hilton cc's. Supposedly they are all fixed too.  However, some including myself were able to get our rates reduced.  

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Ok well i will have to look into that when Jan rolls around :-) thanks for the info lexie 

[09Lexie]

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@mongstradamus wrote:

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@09Lexie wrote:

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@mongstradamus wrote:

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@Closingracer99 wrote:

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@mongstradamus wrote:

From reading this entire thread i am not going to look forward to my 18.99 apr when my 0% ends in jan :-(

---

At least not most of your cards have 22%+ APR% lol.  Besides my CS ,  CSP  and discover (19.99% because of pressure approved mail app)  all my cards are the highest APR avaliable around 22% +     

---

My BCP is 20.99 % too , ouchie i wonder if there will be any chance to see if i could get those aprs lowered when they aren't 0% anymore. I plan on PIF every month , but just in case when things get crazy :-(

---

I'm sure you can, remember just because they post a 'fixed rate' doesn't mean they cannot go lower.  Awhile back there was a thread on getting the APR reduced on Amex Delta/Hilton cc's. Supposedly they are all fixed too.  However, some including myself were able to get our rates reduced.  

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Ok well i will have to look into that when Jan rolls around :-) thanks for the info lexie 

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You're welcome. 

[Jaylima91]

I called the Lending dept. For chase again, they can't recon my app because they have already extended enough credit in the short period I've had credit. I'm new to credit but I am pretty credit savvy. I'll just let all my accounts and INQ age for a few months. Thank you all for your help!

[Closingracer99]

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@Jaylima91 wrote:
I called the Lending dept. For chase again, they can't recon my app because they have already extended enough credit in the short period I've had credit. I'm new to credit but I am pretty credit savvy. I'll just let all my accounts and INQ age for a few months. Thank you all for your help!

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Yeah they gave me that when I apped for the Amazon Visa and approved and then Freedom declined. Apped for the Freedom in June and got approved

[Jaylima91]

Thank you all for your much valued advice.