@CreditMagic7 wrote:
@Anonymous wrote:
@CreditMagic7 wrote:How is NFCU with lowering the APRs? Do they even bother to do that?
Reason being is on first approval this past summer they saddled my GoRewards approval with a ridiculous 17.74% APR.
I am one of those that have long rotated PIF to Revolve with cards which is paid off big time over the years but they don't leave me much ambition to use the nice limit they gave me with that silly an APR with my current scores and solid card camp, many with much better APR's then this one.
By comparison my newly minted Alliant CU Visa is still enjoying 18 Months 0% on purchase AND transfers.
After the promo is complete a low APR of 12%, which I will be requesting a reduction even on that by then
Guess this card will be mostly SD until something on that changes because I hope you all know that the FED is going to be raising rates and your interest rates on cards are going to go up too.
We work so hard with other good lenders who help up in bringing that element down to within acceptable levels only to have the FED jack things up again.
They will Re-price your APR after 12 months, hope this helps!
Yes! that is useful news. Thanks
I have no problem putting a stick of gum on it once in awhile for usage until the APR is reasonably dealt with to satisfaction.
I have a reminder in my phone to call once a year and request APR reduction on my two cards w/ Navy 
@Scupra wrote:
@CreditMagic7 wrote:
@Anonymous wrote:
@CreditMagic7 wrote:How is NFCU with lowering the APRs? Do they even bother to do that?
Reason being is on first approval this past summer they saddled my GoRewards approval with a ridiculous 17.74% APR.
I am one of those that have long rotated PIF to Revolve with cards which is paid off big time over the years but they don't leave me much ambition to use the nice limit they gave me with that silly an APR with my current scores and solid card camp, many with much better APR's then this one.
By comparison my newly minted Alliant CU Visa is still enjoying 18 Months 0% on purchase AND transfers.
After the promo is complete a low APR of 12%, which I will be requesting a reduction even on that by then
Guess this card will be mostly SD until something on that changes because I hope you all know that the FED is going to be raising rates and your interest rates on cards are going to go up too.
We work so hard with other good lenders who help up in bringing that element down to within acceptable levels only to have the FED jack things up again.
They will Re-price your APR after 12 months, hope this helps!
Yes! that is useful news. Thanks
I have no problem putting a stick of gum on it once in awhile for usage until the APR is reasonably dealt with to satisfaction.
I have a reminder in my phone to call once a year and request APR reduction on my two cards w/ Navy
Good idea it seems then.
Nothing against them personally, only that i'm careful to measure how lenders assign these things and whether they are flexible or not.
