USAA Lowered my APR

[Saleen099]

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@Anonymous wrote:

Fantastic Saleen !!! thats a GREAT reduction

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Thanks Mia25.    I think they finally came to the realization that they were going to have to do something different to give me to spend money on the card. 

[Jarrodpd]

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@Saleen099 wrote:

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@Jarrodpd wrote:

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@Saleen099 wrote:

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@creditFiend wrote:
That's awesome! Congrats
How long have you had the card? Have you received an auo cli's from them?  
My six months will be in March. SL $7,000

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  Thanks creditFiend. 

  I have had the account 1 Year.   One credit line increase for 1K.  

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Same here I have had my card for a year and a half and im stuck at $2500, my amex is at $8700 and I got a SL of $2100 with US bank. USAA needs to extend some love so I can get a signature Visa when the new cards get sent out.

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   They definitely need to extend some love because the amount of money that I spent on insurance a year is just astronomical  but I am shocked that they actually gave me $1000. 

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Thats a shocker, im 21 and I have a 2015 VW Golf MK7 for $80-90 per month. Granted im on my parents policy and the lease included gap insurance. Typically though they are great on insurance, my parents policy with three cars and me is cheaper than my 25yr old brother which has had several speeding tickets(one for 110mph) and has a mustang GT.

[jlpaca]

Great for you. I've tried and called a couple times asking for an apr reduction but they always said that they don't do that. Mine actually just raised with the fed raise.

[OmarGB9]

Grats

[alvon123]

congrats

[Anonymous]

Congrats!

I've had my platinum mastercard since 2006, and while it has a great interest rate (8%!), I've been stuck at a $2000 CL since 2007. Jealous that you're at least seeing some sort of movement on your account!

[Saleen099]

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@Anonymous wrote:

Congrats!

I've had my platinum mastercard since 2006, and while it has a great interest rate (8%!), I've been stuck at a $2000 CL since 2007. Jealous that you're at least seeing some sort of movement on your account!

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 Thanks.  Wow that's crazy  why have they not raise your credit limit?  

[gibeon]

Hi Saleen, Congrats!

I'm very curious to know if your card was a "Classic" before the PC and APR drop?

Thanks,
Gib

[takeshi74]

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@UncleB wrote:

This is the first time I've heard of USAA lowering an APR or changing an account reward type without simply telling you to apply for the account you want...

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I've changed reward type in the past.  Can't get them to PC though.

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@UncleB wrote:

It looks like today several of our anecdotal 'rules' are demonstrating that they are indeed made to be 'bent', if not down-right broken sometimes!

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That is a potential pitfall with generating rules based on anecdotal evidence.

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@Jarrodpd wrote:

Same here I have had my card for a year and a half and im stuck at $2500, my amex is at $8700 and I got a SL of $2100 with US bank. USAA needs to extend some love so I can get a signature Visa when the new cards get sent out.

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It's not about love.  As with any creditor it's about what your credit profile and income qualify for.  I recently hit max exposure and to request a CLD for some headroom on a CLI on another card.

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@Saleen099 wrote:

 They definitely need to extend some love because the amount of money that I spent on insurance a year is just astronomical  but I am shocked that they actually gave me $1000. 

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How much you spend on insurance isn't relevant.  YMMV but I know I'd be paying more with other insurance companies for lesser service (and those companies aren't extending greater limits on their credit cards if they offer any).

[Saleen099]

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@gibeon wrote:
Hi Saleen, Congrats!

I'm very curious to know if your card was a "Classic" before the PC and APR drop?

Thanks,
Gib

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 Thanks gibeon.   

   Yes It was a classic MasterCard with a $35 annual fee.