Originally Posted by
Magic Pickles
It does not have to be within 30 days of AF posting; if the AF already posted then a credit will automagically appear within a few days of lowering. For the second AF, YMMV. I don't know of any data points showing this works for the third AF or beyond...
How does it work in the second year? If the CL stays low, why would the AF be charged? Does the CL get automatically bumped up after a while, they charge the AF, and then you have to call in to reduce it again? Sorry, I'm in my first year : )