I don't share my stats. Clean credit never late never maxed a CC. Also this card went from 10.1k to 18k in the first three months with only one charge of 16.50$ at a fast food place.
Op, i dont want to come off bad or anything but i dont see any harm in sharing ones stats in helping another try to ascertain if they might be in a similar situation to make this request. Being as younf as you are you might find yourself in a bad credit situation one day and request help from some one. We all have been at a point where we might have had perfect credit but life happens. Humility is a trait worth fighting for. Just my humble opinion.
As an afterthought, look how many people youve inspiired to try this, think how many more might do so if you shared
As an afterthought, look how many people youve inspiired to try this, think how many more might do so if you shared
I got the same message as smarzig. Looks like I have to wait the full year. :/ Wonder why they snuck OP through. Maybe his credit is THAT good? 
@Anonymous wrote:
@Anonymous wrote:TY I just emailed -em. I'll let you know how it goes!
What was your score and stats when you requested?
Navy Federal Response 07/05/2017 : Thank you for using Navy Federal's eMessaging Service, Mr. XXXX. We received your request to reduce the Annual Percentage Rate (APR) on your existing Platinum Visa account. Please note that your APR may be considered for reduction only once every twelve months from the date your account was opened, or from the date that your rate was last reduced. A review of your APR will be available on or after 01/XX/18. If you have further questions, please let us know.
My platinum is about 8 months old and I got shot down with the 12 month response.
My flagship is at 10.74 and was opened in March 2017...the platinum is 13.74! Grrr
My flagship is at 10.74 and was opened in March 2017...the platinum is 13.74! Grrr
