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Dcu SMH cli offer, with higher apr

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Dcu SMH cli offer, with higher apr

So back 18 months ago, dcu approved me for a re-fi on my Dodge charger. Saved a ton apr went from 25! To 2.74!
With that hp. I got a 3000 sl visa.
Since then I've had no pre approvals besides quick loans at 21%....
Today my eq mortgage jumped 15-20 points, and I'm pre approved for everything except for a personal loan.
I saw I could raise my Visa to 5k. But after careful reading noticed they wanted to increase my apr 3 points to 13.5... The whole reason I have this card is the low apr. So obviously I didn't accept it. I've never had a bank offer a cli paired with an apt increase..
Needless to say I passed as I will only use this for bt in January when they run 0 apr bonus. Anyone experience this? Possible in 3 months the offer will be there without raising apr? Thanks for any advice.
br>Starting score(February 2018)-520
Current Score: FICO 8- 742EX, 755TU, 758EQ, *GOAL*(Raise EQ mortgage to 730)..MORTGAGE-EQ-705,EX693.
Goal Score: 775 by (03/2020)
Buisness CC- Amex Amazon Prime Biz(125 GC, the 100$@3k spend not worth it)10/26/19- 3500
Amex SimplyCash Plus® -6/26/19- 1300-
Amex Blue Business Plus Card (10kMR'S)-6000-8/6/19-
Personal Cc's
11/2/19- Cap1 Venture(50k sub)-5000
10/25/19-Sams Club MC-(55$ OFF SUB) 4500
9/17/19- Citi® / AAdvantage® Platinum Select® WEMC(50k AA miles)-9/17/19-7500 sl.
7/19 Citi rewards+(wmc)(15K TYP) 5400sl-6900cl
5/19- American Express® Rose Gold Card(50KMR'S)-NPSL(25000-pot), 5/18-1st Disco It (unsecured Nov 18)(500$ TOTAL w CB match)- 2000 , 5/19-2nd Disco it- 2000SL-4000CL
6/18-Dcu-3000-
12/18 Amazon(gift card SUB)- 500-2500-6000--10,000 cl AND-Walmart (store cards)-250sl-1000-5000-6000cl, 2/19-Home depot- 500sl-2000cl-
6/18-dcu2.74 Auto loan(43% paid off)
Sub to hit = Venture card 50k/3k spend
Goal score 800



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