NFCU.....PC + APR reduction success!

pizza1 · ‎08-10-2015

PC'ed my nRewards $15k , no AF, APR 16.99% to.....

Cash Rewards Visa Siggy 15.15% , no AF, with chip-pin/sig

Pway · ‎08-10-2015

Congrats Pizza

Thank you for the wealth of knowledge I have learned from these forums. I am logging off as of November 9, 2022. I wish everyone great success.

Anonymous · ‎08-10-2015

@pizza1 wrote:
PC'ed my nRewards $15k , no AF, APR 16.99% to.....

Cash Rewards Visa Siggy 15.15% , no AF, with chip-pin/sig

No CLI? Shame shame shame.

pizza1 · ‎08-10-2015

@Anonymous wrote:
@pizza1 wrote:
PC'ed my nRewards $15k , no AF, APR 16.99% to.....

Cash Rewards Visa Siggy 15.15% , no AF, with chip-pin/sig
No CLI? Shame shame shame.

I just got one last month, not eligble yet, and Im not willing to spin the 50/50 wheel of HP to get another one. Ill try in 6 months or so, im good right now.

Anonymous · ‎08-10-2015

Congrats!

Anonymous · ‎08-10-2015

@pizza1 wrote:
@Anonymous wrote:
@pizza1 wrote:
PC'ed my nRewards $15k , no AF, APR 16.99% to.....

Cash Rewards Visa Siggy 15.15% , no AF, with chip-pin/sig
No CLI? Shame shame shame.
I just got one last month, not eligble yet, and Im not willing to spin the 50/50 wheel of HP to get another one. Ill try in 6 months or so, im good right now.

What's another inquiry when you're at 40, 50. Right? How often do they even do APR decreases? I have a Cash Rewards from a few years back that was originally approved at the basement rate (9.xx) and never really felt like pressing on them to lower it.

pizza1 · ‎08-10-2015

@Anonymous wrote:
@pizza1 wrote:
@Anonymous wrote:
@pizza1 wrote:
PC'ed my nRewards $15k , no AF, APR 16.99% to.....

Cash Rewards Visa Siggy 15.15% , no AF, with chip-pin/sig
No CLI? Shame shame shame.
I just got one last month, not eligble yet, and Im not willing to spin the 50/50 wheel of HP to get another one. Ill try in 6 months or so, im good right now.
What's another inquiry when you're at 40, 50. Right? How often do they even do APR decreases? I have a Cash Rewards from a few years back that was originally approved at the basement rate (9.xx) and never really felt like pressing on them to lower it.

1st..more like 80, but who cares and whose counting right? Certainly not me.

2nd..your card is eligble once a year for apr reduction, but you got low rate to begin with, not sure how much lower they will or can go, but its worth a phone call

pizza1 · ‎08-10-2015

@pizza1 wrote:
@Anonymous wrote:
@pizza1 wrote:
@Anonymous wrote:
@pizza1 wrote:
PC'ed my nRewards $15k , no AF, APR 16.99% to.....

Cash Rewards Visa Siggy 15.15% , no AF, with chip-pin/sig
No CLI? Shame shame shame.
I just got one last month, not eligble yet, and Im not willing to spin the 50/50 wheel of HP to get another one. Ill try in 6 months or so, im good right now.
What's another inquiry when you're at 40, 50. Right? How often do they even do APR decreases? I have a Cash Rewards from a few years back that was originally approved at the basement rate (9.xx) and never really felt like pressing on them to lower it.
1st..more like 80, but who cares and whose counting right? Certainly not me.

2nd..your card is eligble once a year for apr reduction, but you got low rate to begin with, not sure how much lower they will or can go, but its worth a phone call

oh...and my CLI last month WAS with a HP...so I squeaked that out..lol

Anonymous · ‎08-10-2015

they told me last month you're always eligible on the birthday of your card and they'll go down to the minimum apr

pizza1 · ‎08-10-2015

@Anonymous wrote:
they told me last month you're always eligible on the birthday of your card and they'll go down to the minimum apr

I had never had one, I never asked because I didnt think Id be eligible for a few years until my scores were better.. Have had my card almost 2 yrs.