We got the CK rate. There are some threads about asking for lower APR. I know you have to get out of the promo period and usually need atleast 6 to 12 months of regular usuage but that is al I know. Most people usually e chat to ask for a lower apr. I figure once we get our Chase Ink then I will work on it. Our Discover card came I believe with over 12 months of 0% as did DW Amex. C1 QS has offered DW 0% balnce transfers for 12 months almost every month. Rewards cards usually have higher APR.
It will grow. See the threads about Amex 3x cli. Some cards behave sometimes in strange way. I had a C1 QS stuck in toy mode forever. I just got it fixed. But my Disco and Citi DC have good limits and just got a raise out of Disco. My dw seems to attract 5 digit limits and huge CLI the only difference is her active AA and % usuage and thickness. But she always gets the big limits. Between my monthly PIF as well as Dico and C1 QS cli my % went down and scores went up so maybe I catch her. It usually takes about 2 to 3 months to get back what you loose on a hp. I lost about 10 to 15 points over Citi DC but more than got it back in 2 months
PRG is a charge card. It will just show up on your CR as a charge card and report the highest charged amount each month as the watermark. Since you don't carry a balance it's slightly different but still counts as payment history each month.
You can't collect all the bonus money. You also don't want to become known as a spinner going after bonus money. All the cards we got inthe past 3 years are solid cards.
With good card comanies. Some of the older cards have grown to high limits but just don't have the rewards powers and now live in ths sock drawer or office safe simply keeping them because of AA.