Re: Navy APR Reduction 1 out of 3

Creditaddict · ‎10-17-2015

Finally hit a year on 2 of my cards and 1 year since a rep had a ran a request for APR reduction early on my Cash rewards account.

Cash Rewards was again a no.

Flagship was a no.

Platinum lowered to 13.99% I think it was somewhere around 17%.

Little disappointed that I didn't get something on the other 2... I have extremely high credit lines but yet something isn't triggering in the system for APR reductions, just little odd to me.

eddie84 · ‎10-17-2015

1 out of 3 aint' bad. Congrats again!

datrucking210 · ‎10-17-2015

Hey CA when would it be a good time to ask for a apr reduction on my Cash rewards card?

Mid 500's Spring 2014 As of 06/07/16 EQ-700^ TU-738^ EX-697v In the Garden 5/28/16! Goals 750 across the board end of 2016

Ebates Visa SL $3,200 to $20,000, 25.24%

NFCU Cash Rewards Visa Signature SL $15,300 to $18,000, 14.90%

Lowe's Store Card SL $500 to $5,000 to $17,000, 24.90%

RBFCU Premier Rate Mastercard SL $15,000, 9.95%

Sam's Club Mastercard SL$3,600 to $10,000 to $15,000, 23.15%

Stash Hotel Rewards Visa SL$3,000 to $15,000, 16.24%

J Crew Store Card SL $250 to $4,450 to $12,450

Generations FCU Earned Premium Rewards Visa Siggy SL $7,000, 9.25%

Amazon Store Card SL $600 to $3,500 to $4,000 to $6,000

Citi AAdvantage Platinum Select World Mastercard SL $5,000

JCPenney Store Card SL $500 to $3,500 to $5,000

PenFed Platinum Rewards Visa Siggy SL $5,000, 17.99%

Overstock Store Card SL $2,200 to $3,700

Kohl's Store Card SL $400 to $700 to $1,500 to $2,500 to $3,000

Barclays Rewards Mastercard SL $750 to $1,500 to $2,050

Victoria Secret Store Card SL $500 to $2,000

Lenovo Preferred Store Card SL $1,200 to $1,600

Barclays NFL Extra Points Visa SL $500 to $1,400

BankAmericard Cash Rewards Visa SL $500 Secured Don't Judge, wanted in with BofA and was offered this after being declined

RBFCU Cashback Rewards Mastercard SL $1,000

AU:

Walmart Mastercard SL $1,800 to $2,600 to $8,000

Barclays Rewards Mastercard SL $2,500 to $3,500 to $4,450

Creditaddict · ‎10-17-2015

It's once every 12 months.
You can send secure message or call... They click a button and it spits back a reduction or no. No pulls or anything.

OmarGB9 · ‎10-17-2015

Grats

Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:

Current FICO 8 scores:

datrucking210 · ‎10-17-2015

@Creditaddict wrote:
It's once every 12 months.
You can send secure message or call... They click a button and it spits back a reduction or no. No pulls or anything.

Ok so it'll be till next year when I can ask them for a reduction. What about cli when can I ask for one, I'm happy with the 15k I was approved for but would love to have 25k

Mid 500's Spring 2014 As of 06/07/16 EQ-700^ TU-738^ EX-697v In the Garden 5/28/16! Goals 750 across the board end of 2016

AU: