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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.
Starting score(February 2018)-520Current Score: FICO 8- 748EX, 768TU, 770EQ, Goal Score: 780 by (05/2020)
BUISNESS CREDIT
Amex Hilton-3000
Amex SimplyCash Plus® -1300-
Amex Blue Business Plus Card - 10,000.
Amex green charge card- NPSL

inquiries scoreless. Ex, Tu, Eq=1,1,1
TOTAL PERSONAL CL 95000+
Amex Green
BJs perks World Mastercard-14,000
HILTON HONORS-2000
Cap1 Venture(Downgraded to V1)-VS-5,500
Sams Club MC 20000
Citi® - AAdvantage® Platinum Select® WEMC-9000CL, Citi Premier(WMC)(upgraded from rewards+)9750
1st Disco It- 4200 , 2nd Disco it- 5500CL
Dcu-3000-
12/18 Amazon SC- 10,000 cl AND-Walmart SC-7500cl, Home depot- 2000cl-
- Auto loan(80% paid off)
Goal score 800


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