@Hut1 wrote:
@OmarGB9 wrote:I ask every 13 months on each of my two cards, but so far no dice.
@OmarGB9 Thats crazy. They've always accommodated when I've asked. How long you been with them?
Well they've given me a reduction exactly once, on my MoreRewards card.
I've been with them for 2.5 years. August '20 is when I first signed up.
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@OmarGB9 wrote:
@Hut1 wrote:
@OmarGB9 wrote:I ask every 13 months on each of my two cards, but so far no dice.
@OmarGB9 Thats crazy. They've always accommodated when I've asked. How long you been with them?
Well they've given me a reduction exactly once, on my MoreRewards card.
I've been with them for 2.5 years. August '20 is when I first signed up.
Hmm. Since its manually reviewed, I wonder if they're partial to longer relationships. I've personally been with them since 2015. I feel like you should send a message, then if denied (fingers crossed), you ask for the reason or if you're going to get a letter with the denial reason. That would be an interesting DP. Granted, I'm assuming your FICO's are current in your siggy and there's no significant baddies or high DTI on your report.
@Hut1 wrote:
@OmarGB9 wrote:
@Hut1 wrote:
@OmarGB9 wrote:I ask every 13 months on each of my two cards, but so far no dice.
@OmarGB9 Thats crazy. They've always accommodated when I've asked. How long you been with them?
Well they've given me a reduction exactly once, on my MoreRewards card.
I've been with them for 2.5 years. August '20 is when I first signed up.
Hmm. Since its manually reviewed, I wonder if they're partial to longer relationships. I've personally been with them since 2015. I feel like you should send a message, then if denied (fingers crossed), you ask for the reason or if you're going to get a letter with the denial reason. That would be an interesting DP. Granted, I'm assuming your FICO's are current in your siggy and there's no significant baddies or high DTI on your report.
Hmm, I do wonder if I'd have better luck by trying via SM rather than via phone call. 🤔 I'll do it for science!
Also, scores are current. DTI is reasonable I think (~30% or so), and as far as baddies: just 5 (paid) COs that are all five years old. No collections or repos or foreclosures.
@OmarGB9 wrote:
@Hut1 wrote:
@OmarGB9 wrote:
@Hut1 wrote:
@OmarGB9 wrote:I ask every 13 months on each of my two cards, but so far no dice.
@OmarGB9 Thats crazy. They've always accommodated when I've asked. How long you been with them?
Well they've given me a reduction exactly once, on my MoreRewards card.
I've been with them for 2.5 years. August '20 is when I first signed up.
Hmm. Since its manually reviewed, I wonder if they're partial to longer relationships. I've personally been with them since 2015. I feel like you should send a message, then if denied (fingers crossed), you ask for the reason or if you're going to get a letter with the denial reason. That would be an interesting DP. Granted, I'm assuming your FICO's are current in your siggy and there's no significant baddies or high DTI on your report.
Hmm, I do wonder if I'd have better luck by trying via SM rather than via phone call. 🤔 I'll do it for science!
Also, scores are current. DTI is reasonable I think (~30% or so), and as far as baddies: just 5 (paid) COs that are all five years old. No collections or repos or foreclosures.
@OmarGB9 FOR SCIENCE!! ✊
@Hut1 wrote:This is your reminder to request an APR reduction with NFCU if you haven't done so in the last 12 months. Mine crept up to 17.90% from 12.99%. I just sent a secure message. Got a response 12 hrs later. No muss, no fuss.
I have never asked NFCU for a lower interest rate. My NFCU Visa Platinum card's current variable interest rate (closing date for my most recent statement is 02-13-2023) is 10.24% for purchases and 12.24% for cash advances.
Edit: I regret asking for a $25,000 credit limit for my NFCU Visa Platinum. At the time, I had a HELOC ($42,000 balance) from USBank at Prime Rate minus 1% (never lower than 3.99%) that was near the end of its draw period, and I thought the NFCU credit card could take its (HELOC) place. Since then, I have paid my HELOC balance down to $2700. I expect to have the HELOC paid off in a couple months. I also regret limiting my American Express BCE credit limit to $3000, but it does not seem to have made much of a difference to my FICO scores.
@Hut1 wrote:
@OmarGB9 wrote:
@Hut1 wrote:
@OmarGB9 wrote:
@Hut1 wrote:
@OmarGB9 wrote:I ask every 13 months on each of my two cards, but so far no dice.
@OmarGB9 Thats crazy. They've always accommodated when I've asked. How long you been with them?
Well they've given me a reduction exactly once, on my MoreRewards card.
I've been with them for 2.5 years. August '20 is when I first signed up.
Hmm. Since its manually reviewed, I wonder if they're partial to longer relationships. I've personally been with them since 2015. I feel like you should send a message, then if denied (fingers crossed), you ask for the reason or if you're going to get a letter with the denial reason. That would be an interesting DP. Granted, I'm assuming your FICO's are current in your siggy and there's no significant baddies or high DTI on your report.
Hmm, I do wonder if I'd have better luck by trying via SM rather than via phone call. 🤔 I'll do it for science!
Also, scores are current. DTI is reasonable I think (~30% or so), and as far as baddies: just 5 (paid) COs that are all five years old. No collections or repos or foreclosures.
@OmarGB9 FOR SCIENCE!! ✊
Still no go. 