I now have my limits to a point which is more than ample for me. So it's time to start working on the other major factor. APR.
I was able to chat with Discover who reduced my APR from 23.24% to 18.49%. Super happy about that, and it starts in two days when the next statement posts. Fine by me, Discover's at $0 this month.
Also chatted with Capital One who offered to reduce me from 23.15% to 20.15% for 7 months, but after that it would return to 23.15%. I declined it, and now I don't know if I did the right thing. Should I have done it, or should I be firm on the quest for a better rate? I'm thinking if I took it I would not be eligible again for some time if something better did come about.
As it is I PIF every month, so I could care less if APR was 5% or 500%; it's more an ego thing I suppose. I know the baddie on my credit is going to be there for the next 3 years so there is a bit of a ceiling in what I can get, but any "attaboy" I can get really helps along the path.