http://ficoforums.myfico.com/t5/Credit-Cards/How-do-I-get-Citi-card-to-lower-my-interest-rate/m-p/1706048#M474474 <p>Sorry, but in my experience I don't think they care.   I don't think they want to lower rates for anyone, and they seem to want to cut limits rather than raise them.  They haven't done either of these things to me, but I got in with a 0% for 21 months balance transfer offer, and as soon as I transferred one balance and was ready to do another one, they revoked my ability to do balance transfers and would not tell me why.  I don't see them as being very customer-friendly.</p> Sat, 17 Nov 2012 21:58:16 GMT ChesterPDexter 2012-11-17T21:58:16Z http://ficoforums.myfico.com/t5/Credit-Cards/How-do-I-get-Citi-card-to-lower-my-interest-rate/m-p/1705944#M474440 <p>I have paid my Citi card on time and paid more than the minimum for 6 months.  I would like them to lower the interest rate so I can get this paid off more quickly.  I called them today and because I have had no trouble make the minimum and have even paid more, they won't lower it.  They asked if my employment situation has changed where I would have trouble paying the current minimum.  My answer was no.  The rep said unless I can't make the minimum or have an employment change, they can't lower the rate. I even spoke to a supervisor.  Any backdoor numbers or have any of you BTDT that have advice?   </p> Sat, 17 Nov 2012 20:30:49 GMT http://ficoforums.myfico.com/t5/Credit-Cards/How-do-I-get-Citi-card-to-lower-my-interest-rate/m-p/1705944#M474440 JarTay 2012-11-17T20:30:49Z http://ficoforums.myfico.com/t5/Credit-Cards/How-do-I-get-Citi-card-to-lower-my-interest-rate/m-p/1706048#M474474 <p>Sorry, but in my experience I don't think they care.   I don't think they want to lower rates for anyone, and they seem to want to cut limits rather than raise them.  They haven't done either of these things to me, but I got in with a 0% for 21 months balance transfer offer, and as soon as I transferred one balance and was ready to do another one, they revoked my ability to do balance transfers and would not tell me why.  I don't see them as being very customer-friendly.</p> Sat, 17 Nov 2012 21:58:16 GMT http://ficoforums.myfico.com/t5/Credit-Cards/How-do-I-get-Citi-card-to-lower-my-interest-rate/m-p/1706048#M474474 ChesterPDexter 2012-11-17T21:58:16Z http://ficoforums.myfico.com/t5/Credit-Cards/How-do-I-get-Citi-card-to-lower-my-interest-rate/m-p/1706064#M474478 <p>Even if you call to cancel, they can't lower your APR. The system decides and puts the offer on your account. The next systematic global APR review is in Feb 2013. It happens twice a year and thereafter is Aug 2013.</p> Sat, 17 Nov 2012 22:09:29 GMT http://ficoforums.myfico.com/t5/Credit-Cards/How-do-I-get-Citi-card-to-lower-my-interest-rate/m-p/1706064#M474478 mxp114 2012-11-17T22:09:29Z http://ficoforums.myfico.com/t5/Credit-Cards/How-do-I-get-Citi-card-to-lower-my-interest-rate/m-p/1706320#M474552 <p>Thank you for your help.  I will just keep plugging away.  March 2013 can't come soon enough.</p> Sun, 18 Nov 2012 01:15:51 GMT http://ficoforums.myfico.com/t5/Credit-Cards/How-do-I-get-Citi-card-to-lower-my-interest-rate/m-p/1706320#M474552 JarTay 2012-11-18T01:15:51Z