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My NFCU Cashrewards is just over a year old. I requested a lower APR from the 15-16% range to the lowest advertised APR of 9.60%. They countered with 11.60% and I accepted!
I did this via secure message and they responded the next day with the counter-offer!
This will most likely compete with my Venture for Costco spending!
Now let's see if I can get Chase to do something when my 0% ends next month!
Good Job, congrats on your success with Navy, I think i'll do the same right now. My Cashrwds Visa is a bit over 1 year old as well.
Nice job, congrats !