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Discover and AMEX APR Reduction!

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14Fiesta
Established Contributor

Discover and AMEX APR Reduction!

Requested APR reduction on BCE and Delta.

 

BCE 16.99% -----> 13.99%

Delta 19.24% ------> 17.99%

 

 

 

Also hit up Discover to ask for a reduction. they offered temporary or permanent reductions. I chose permanent. 

 

19.99% --------> 18.24%

 

 

The lady processing the request kept asking me if I was planning on making a big purchase soon or would do so if granted a lower APR. I was honest and told her I just wanted a lower APR just cause. (don't carry balances). Now I'm feeling like I kinda gypped myself out of a possible lower permanent lower APR if I had said yes. lol

 

 

Still excited though! Reaping the rewards of building up from nothing two years ago next month. 






EX FICO (AMEX): 728 (4/29/17) | TU FICO (Discover): 737 (4/7/17) | EQ FICO (Citi): 746 (3/28/17)
Message 1 of 7
6 REPLIES 6
Anonymous
Not applicable

Re: Discover and AMEX APR Reduction!

Congrats! Solid progress.
Message 2 of 7
Anonymous
Not applicable

Re: Discover and AMEX APR Reduction!

congrats

Message 3 of 7
sunni_one
Regular Contributor

Re: Discover and AMEX APR Reduction!

Nice!!  Congrats!!

BoA Cash Rewards $45k | Chase Freedom $37k | NFCU Platinum $34k | Discover It $30k | Total Rewards $27k | Amex SPG $20k
Hawaiian Air WEMC $20k | Overstock $20k | Citi Simp $18k | Citi DP $18k | Amex Hilton $15k | Chase Hyatt $15k | Best Buy MC $15k
Home Depot $15k | NFCU LOC $15k | Pottery Barn $15k | Wayfair $15k | Target MC $12k | Amazon $10k | Amex BCP $10k | JCP $10k
Macy's $10k | US Bank Cash+ $10k / LOC $8k | Old Navy Visa $5k | Amex Platinum

Fico 08 scores (7/18/17) EX: 771 TU: 770 EQ: 770
Message 4 of 7
OmarGB9
Community Leader
Super Contributor

Re: Discover and AMEX 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 5 of 7
alextercero
Super Contributor

Re: Discover and AMEX APR Reduction!

Congrats

Current Credit Cards



Currently rebuilding as of (May 2021)

Current Fico Scores 8/9: (December 2024)


Credit Age:

Inquiries:

Message 6 of 7
Anonymous
Not applicable

Re: Discover and AMEX APR Reduction!

Congrats
Message 7 of 7
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