Re: Navy Lowered my apr doing a happy dance - myFICO® Forums

devilnic · ‎10-13-2021

I called Saturday to lower my apr on both my CC's. My flagship was at 17.99% Lowered to 10.99% heck yes!! And my American express was 14.95% lowered to 10.65% yes thank you NFCU. So then feeling good i called discover and low and behold got that one lowered too. Went from 24.99% to 19.99%! happy dance thanks to all the great advice on this forum.

Starting Score: 612
Goal Score: 850

Credit Cards: Capital One Spark Visa $700 6/8/2002 19 yrs | Navy Federal Flagship Rewards $15,000 9/24/2014 7 years | Victoria's Secret $4100 11/17/2014 7 years | Amazon $6000 12/1/2015 6 years | Discover Miles #1 $6300 1/19/2017 4 years | Navy Federal AmEx $10,000 7/6/2017 4 years | American Express Hilton Honors Surpass $2000 4/30/2019 3 years | American Express Everyday Preferred$1000 8/24/2019 2 year | Home Depot $5000 7/06/2017 4 years | Overstock $14,150 5/12/2019 2years | Chase Slate $1800 9/24/2019 2 years | Discover IT #2 $9,000 9/24/2019 2 years | FNBO Evergreen $11,300 11/24/2021 | PenFed Platinum Rewards $15,000 11/26/2021

rostrow416 · ‎10-13-2021

Congrats!

I didn't know Discover would consider lowering your APR if requested. I'm gonna have to remember that for when my intro APR period is up.

SPChaser · ‎10-13-2021

@devilnic Congrats on your sweet new APRs! Could you please share some DPs with us, such as age of accounts and anything else pertinent that could assist us when requesting reductions?

“Play the game, but don't believe in it“

devilnic · ‎10-13-2021

Navy federal you can ask every 12 months for an apr reduction. So after your first 12 months of having a card you can ask. My scores are 813 Equifax 797 trans and 810 Experian . Both my NFCU accounts 1 is 7 years old and the other is 5 years old. My discover is 6 years old. Again discover you can ask every 12 month too. *Bonus you can also ask discover for 0% for 12 month too if you tell them you are doing dental work or something big and you are in good standing. After that stops you can wait 6 months and ask again.

Starting Score: 612
Goal Score: 850

Credit Cards: Capital One Spark Visa $700 6/8/2002 19 yrs | Navy Federal Flagship Rewards $15,000 9/24/2014 7 years | Victoria's Secret $4100 11/17/2014 7 years | Amazon $6000 12/1/2015 6 years | Discover Miles #1 $6300 1/19/2017 4 years | Navy Federal AmEx $10,000 7/6/2017 4 years | American Express Hilton Honors Surpass $2000 4/30/2019 3 years | American Express Everyday Preferred$1000 8/24/2019 2 year | Home Depot $5000 7/06/2017 4 years | Overstock $14,150 5/12/2019 2years | Chase Slate $1800 9/24/2019 2 years | Discover IT #2 $9,000 9/24/2019 2 years | FNBO Evergreen $11,300 11/24/2021 | PenFed Platinum Rewards $15,000 11/26/2021

CreditInspired · ‎10-13-2021

@devilnic wrote:
I called Saturday to lower my apr on both my CC's. My flagship was at 17.99% Lowered to 10.99% heck yes!! And my American express was 14.95% lowered to 10.65% yes thank you NFCU. So then feeling good i called discover and low and behold got that one lowered too. Went from 24.99% to 19.99%! happy dance thanks to all the great advice on this forum.

Oh nice. Yep, this calls for doing the happy dance. And thanks for the tip. I'll be calling NFCU later today.

One small thing though--did you ask Disco if you had a 12-month offer on purchases at 0%. Several of us asked and got that last month.

|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macys $24.2K || NFCU CLOC $15K || NFCU Platinum $15K || CitiCostco $12.7K || Chase FU $12.7K || Apple Card $7K || BOA CashRewards $6K

Rebuild2019 · ‎10-14-2021

Congratulations 🎊🎈🎉 on getting your APR lowered.

devilnic · ‎10-14-2021

@CreditInspiredI did ask for 0% and got that also. It's been a good month!

Starting Score: 612
Goal Score: 850

Credit Cards: Capital One Spark Visa $700 6/8/2002 19 yrs | Navy Federal Flagship Rewards $15,000 9/24/2014 7 years | Victoria's Secret $4100 11/17/2014 7 years | Amazon $6000 12/1/2015 6 years | Discover Miles #1 $6300 1/19/2017 4 years | Navy Federal AmEx $10,000 7/6/2017 4 years | American Express Hilton Honors Surpass $2000 4/30/2019 3 years | American Express Everyday Preferred$1000 8/24/2019 2 year | Home Depot $5000 7/06/2017 4 years | Overstock $14,150 5/12/2019 2years | Chase Slate $1800 9/24/2019 2 years | Discover IT #2 $9,000 9/24/2019 2 years | FNBO Evergreen $11,300 11/24/2021 | PenFed Platinum Rewards $15,000 11/26/2021

OmarGB9 · ‎10-14-2021

Congrats!

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

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:

Current FICO 8 scores:

CreditInspired · ‎10-14-2021

@devilnic

Wow, it has been a good month. Kudos to you!

|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macys $24.2K || NFCU CLOC $15K || NFCU Platinum $15K || CitiCostco $12.7K || Chase FU $12.7K || Apple Card $7K || BOA CashRewards $6K

10022016 · ‎10-14-2021

That's great that you are able to see big things in such small matter--do you even have a significant debt on those accounts for the average person to even care?