I called yesterday just on a whim to ask about lower APR offers (I have some work I need to do on my car and wanted to see if they had any 0% offers). Surprisingly they dropped it 2% to 15.99 right then. The last time I asked, which I think was probably about a year ago, they had me do the paper work and send it in and it was dropped to the 17.99.... Now if I could only get a CLI the card would actually be usuable. $500 doesn't go very far but they refuse to give me anything despite having this account since 2008.
Current Debt Management:
$15k Trinity Financial Management (scheduled pay off late 2021)
$10k NFCU
$350/mth Bridgecrest Auto Loan
Goals: Pay off credit card debt & buy a new home before end of 2020
Long Term Debt:
Fed Loans - $150k
Navient - $100k
Taking a "if God don't do it, it won't get done..." approach to paying these off.
