Months ago AmEx said I was pre-approved for $10K @ 6.98% APR ("no higher" so had I accepted might the rate have been lower?)
More recently my offer was for $6K or so, at a higher rate. All that had changed was I had added BOA Unlimited Cash Rewards - a $15K boost in the util area, but I guess they freak out about new accounts/ AAoA hits?
Last week my offer was up to $8,900, no improvement in the APR.
Today my offer is $3,900; 10.98% APR.
Has anyone else followed AmEx personal loan offers and seen this kind of silly fluctuation? Any faintly rational reasons for it?
(P.S. the FAQ says you "can't" use it for a car. Er, the money goes into whichever checking account I specify, from there how are they going to stop me from using the dough however I blamed well please?)
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