I agree with Revelate. My APR reduction with Discover was painless however it was done for more of a pride thing and not to carry a balance. For that, I have two boring no frills CU cards.
@Revelate wrote:Discover would be a much better bet for getting an APR reduction on than Amex at least. Reading through another thread here apparently some people have gotten a reduction through them, but it's not worth betting on from a financial planning perspective anyway.
well i won't expect and apr reduction, so if it does happen will be an pleasent surprise. I don't plan ever carry an balance so it shouldn't matter.
@09Lexie wrote:
I agree with Revelate. My APR reduction with Discover was painless however it was done for more of a pride thing and not to carry a balance. For that, I have two boring no frills CU cards.
I think next year i may have to think about applying for an CU card for big emergencies. For now i just don't want anything crazy just stuff for things i already buy like amazon, gas, and groceries. Got myself in trouble once don't want to repeat that :-(
sadly i am still recovering from the last time with an CO from cap one , no matter how many times i try to GW with them, they always deny me. I don't want that to happen ever again if i can help it.