Since I dont want to start a new thread 
In 6 months can I ask for an APR reduction instead of a CLI?
I spoke with a phone rep in the loan applications department at NFCU and she stated to try for an APR reduction after 12 months. I'm sure you can call in and ask after 6 months but I wouldn't do it too often. If you wait 12 months and let your scores improve dramatically, you'll have a better chance of lowering your score to PRIME or PRIME PLUS for your specific card.
Starting Score: EQ 675 | TU 688 | EX 702Thanks, I can wait as I tend to not carry a balance. I'll ask for CLI to 30k after refi and then try for APR
With the APR you have why even request a CLI. I guess I'm the type to wonder what is the need for more when you already have enough... if I needed that much in credit on one specific card then something would not be right as I should never have to put that much on a credit card. Yes I understand it would help bring down your utilization and raise your available credit, but I doubt this is your only card. It may even raise a red flag as to why you need more. Unless of course you're quite wealthy and could pay off the balance in a matter of days; in that case disregard this post.
Instead I would focus my attention on the APR if I carried a balance or the rewards benefits if I PIF each month. But since you said you tend to not carry a balance then the APR means nothing as it wouldn't factor in to your payments.
It would be for business travel. I've charged up to 20k in business related expenses in 1 month (travel, food, lodging). Ill be doing that again in the next 10 or so months and will have 2 months of travel when trial starts up again.
Put your point is taken.
Put your point is taken.
Makes sense, although for business expenses I would think a corporate AmEx or Plum AmEx would suit that job more. Especially with a NPSL.
I have zync NPSL with internal limit of at least 10k. My firm doesn't allow corporate cards so I have to do on own. When I pushed the 20k I had gotten an advance. That was in March/April and was the denial cc app that started me on this journey.
The waiting **bleep**
Starting Score: 585
@firstladyd wrote:
The waiting **bleep**
I **Bleeping** know. I did some checking online at NFCU mall and JoS A Bank has a 25% off sale with 3 points/1 dollar spent. I need a new leather jacket as mine was stolen last winter. Cant get the points though without the card 
