I applied for the GMAC Equity Mastercard by FIA last Thursday. Got the message that I would receive an answer in 7-10 days. Well I called Bank Of America on another issue and they said they see my app for the card in their system. They qualified me for the card but I had to take some CL from my other cards with them. I am maxed with my CL for my income. Figured what the heck already used the INQ, might as well take the additional TL. So to answer the question, yes I have!
In my experience, FIA/BoA seems to be very generous when it comes to CLIs, but they have been very inflexible when it comes to APR reduction requests. I PIF the card so the interest rate doesn't have an effect so I guess it's just a matter of principle with me.
I've tried unsuccessfully for months to get my APR lowered on my World Points card as a "tangible" reward for my credit repair efforts, but no dice. However, they continually dangle the possibility of new TLs with better terms. While tempting, I simply don't need any more TLs and instead will focus on getting higher CLs and better terms.
Good luck and keep us posted!
Message Edited by lurknomore on 06-03-200808:28 AM
FICO: 8/08 - TU 718; EQ 702; EX 733 (Bonafide 700 club member!) Next goal: 750s across the board!!
I have gotten both my hubbys and my interest rate reduced, we PIF so as the pp said it is principal. Maybe thats why they lowered it since we don't carry a balance. I always feel if we carried a balance they could at anytime raise the rate and nothing we could do abt it. BTW I went thru 5 or 6 CSRs before they finally agreed to lower it. Good Luck Vicki
~We'll Never Say Goodbye~ In Loving Memory Of All Lost Mothers