nfcu apr reduction ?

[Anonymous]

have any of you members had an apr reduction? on one of my cards they started me out a little on the high side 17% and when i called to ask for apr reduction they told me to wait a year. well being nfcu is hard pull happy would it result in a hp to do so? anyone have experience with this?

[Anonymous]

I've read on threads here there you can ask for apr reduction once every 6 months. I was started pretty high too, 15.99%

[Anonymous]

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@Anonymous wrote:
I've read on threads here there you can ask for apr reduction once every 6 months. I was started pretty high too, 15.99%

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hey at least you did better than me lol. im going to hit a year with my first card with them come nov so ill ask then. being they are hp happy i wonder if they will need to hp me to do it

[Anonymous]

I've read people just sent them secured messages and got it reduced, wish I could find that thread. Don't remember reading if it was a hp or not?

[Anonymous]

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@Anonymous wrote:

I've read people just sent them secured messages and got it reduced, wish I could find that thread. Don't remember reading if it was a hp or not?

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thats what i did when i only had the card for about 3 mos and they replied and told me to ask when i have had the card for a full year

[Anonymous]

odd, then I'd say calling is ur best bet then

[hammertime]

I have received apr reduction on 2 of my cards after 1 year.  I sent secure message and received a response within 24 hours.  Both cases the apr was lowered.  On one of the cards I received an auto  CLI from 17,500 to 21,000.  The other they just lowered the apr and left the CL at $17,500.

[Anonymous]

How much of a decrease did you receive?

[Anonymous]

I received a APR reduction roughly a year ago on my Nrewards card. My rate was lowered by 1% point and I was advised I can request my account be reviewed for a lower rate once every 12 months. July will actually be 12 months for me.