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Delta APR reduction

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jacetx
Valued Contributor

Delta APR reduction

Opened the card in July with a 15.24% APR. Chatted today with a representative and effective next statement the new APR is 10.24%.

Message 1 of 11
10 REPLIES 10
icyhot
Valued Contributor

Re: Delta APR reduction

Ok that's it! I'm requesting an APR reduction on my Delta right now lol
Ch 7 BK discharged 12/2018
Bank Cards: NFCU Flagship Rewards $25K | NFCU Cash Rewards $20K |NFCU More Rewards Amex $17K | PenFed Power Cash $12.5K | PenFed Platinum Rewards $12.5K | PenFed Pathfinder Rewards $10K | PenFed Gold Card $7.5K | PayPal Cashback Mastercard $5K | Apple Card $3.5K
Store Cards: Bergdorf Goodman $10.5K | Neiman Marcus $7.5K | Care Credit $7K |
Scores: EX 656 | EQ 667 | TU 680


Goal Card: Amex Platinum (Amex IIB, waiting for 5 year mark)
Message 2 of 11
NRB525
Super Contributor

Re: Delta APR reduction

Congratulations, that's a nice rate.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 3 of 11
jacetx
Valued Contributor

Re: Delta APR reduction

Thanks. This is my 2nd lowest APR now, my lowest is RBFCU Platinum at 9.7%.

Message 4 of 11
Anonymous
Not applicable

Re: Delta APR reduction

I'm going to ask for an APR reduction on my Delta now too! I opened mine on like August 4th so I think I should be eligible Smiley Happy
Message 5 of 11
CreditCuriosity
Moderator Emeritus

Re: Delta APR reduction

Nice.. Congrats glad to see someone else got and APR reduction today as well on their Delta

Message 6 of 11
OmarGB9
Community Leader
Super Contributor

Re: Delta APR reduction

Grats

Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 7 of 11
Anonymous
Not applicable

Re: Delta APR reduction

Very good job!!

Message 8 of 11
Anonymous
Not applicable

Re: Delta APR reduction


@jace8602 wrote:

Opened the card in July with a 15.24% APR. Chatted today with a representative and effective next statement the new APR is 10.24%.


congrats! you beat me by 2 points! I bet you used your card more than me!

Message 9 of 11
jacetx
Valued Contributor

Re: Delta APR reduction


@Anonymous wrote:

@jace8602 wrote:

Opened the card in July with a 15.24% APR. Chatted today with a representative and effective next statement the new APR is 10.24%.


congrats! you beat me by 2 points! I bet you used your card more than me!


To be honest I have used my card about 5 times Smiley Embarassed

Message 10 of 11
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