NFCU APR reduction, is it a HP?

[700orbust]

Score from them is 710 right now, so I'm waiting for some stuff I paid off to post up before asking for a CLI.

Would an APR reduction be a good thing to do in the mean time? Its on a Platinum 15K limit at 13.74%. 

[CreditMagic7]

Call and ask them but i just placed my own request in with this beautiful CU and they trimmed it from 18% to a cool 11%.

No HP.

As i am no expert on them or even join in any of the NFCU discussions that go on, i can offer no solid advice if this routine procedure or not.

But like many others i also am quite impressed with NFCU.

[Anonymous]

---

@CreditMagic7 wrote:

Call and ask them but i just placed my own request in with this beautiful CU and they trimmed it from 18% to a cool 11%.

No HP.

As i am no expert on them or even join in any of the NFCU discussions that go on, i can offer no solid advice if this routine procedure or not.

But like many others i also am quite impressed with NFCU.

---

Good luck, OP! Wow, CM! Makes me want to call for a lower interest rate.

[AverageJoesCredit]

So long as you have at least a year, go for it

[kobe2012]

My one year is tomorrow and navy advised to call tomorrow and see if i qualify for APR reduction... now, i paid all of my cards but one showing a balance... should I wait til reports update?? or does it even matter?? 

[AverageJoesCredit]

I dont think it matters. I think it has more to do with time and your history with them

[CreditMagic7]

UPDATE:

Called to PC that same Rewards Card over to the Platinum today. Smooth as silk.

NFCU is totally awesome. The new APR will be 8% and some change and this is EXACTLY the rate range i been interested in for a long time from anyone, especially CU's.

The last time that i had such a good apr rate was when having the Ring Card long since closed.

In perhaps another year with NFCU it might just be possible to reach that sweet spot of 6%?

But this is HUGE for me on this end and NOW will most definitely become a very active usage account and then some.

[Anonymous]

I got a reduction from 18 to 14% no hp and I still am paying off a personal loan so you don't necessarily have to wait to pay anything off to get it. NFCU is amazing!

[CreditMagic7]

---

@Anonymous wrote:
I got a reduction from 18 to 14% no hp and I still am paying off a personal loan so you don't necessarily have to wait to pay anything off to get it. NFCU is amazing!

---

Congrats! on the effort and new rate.

Yes they are very helpful.