Exercising Credit :)

Discussion in 'Credit Talk' started by Larry, Jan 26, 2001.

  1. Larry

    Larry Guest

    Today I spoke with both NextCard/Cap1 reps, and the results were minor thriumps.

    8/00 NextCard 19.9% apr - now 16.9%
    8/00 Cap1 #1 20.9% apr - now 17.9%
    7/99 Cap1 #2 19.9% apr - will be lowered to 16.9% & unsecured on 3/01 (reason: I was given a credit limit incr. on 9/00).
    12/00 CitiAA (Gold) 19.9% apr will negotiate in Mar-May 01.

    Next move: May 01 I will apply for a Discover card. and then Amex a yr after that.

    Thanks to all !!
  2. Sailor

    Sailor Guest


    Is that a normal apr for a CitibankAA gold card. Maybe I am wrong but isn't that a subprime rate on a prime card? I'd like to apply for one of these gold cards but I don't want it if the rate is that high.

    Congrats again.
  3. creditwork

    creditwork Well-Known Member

    Congratulations. It pays.
    Deal from strength, exercise it to build it.

  4. sam

    sam Well-Known Member

    RE: citi rates are high :)

    The lowest rate card is the citibank Clik citi platinum select, you can negotiate rates later on however :)

    but yes. the citi AA gold is .5% higher than the citi AA silver :) go figure.

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