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Established Contributor
Posts: 665
Registered: ‎08-02-2011
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Re: APR Reduction Spree!!!!

Congrats, Ron! Ironically I did the same thing before reading your post, and the results are as follows:

Discover IT 11.99/down from 13.99
Amex BCP 19.24/down from 22.24
Amex Costco TE 12.24/down from 15.24
Chase Freedom: No
Chase SP: No
Amex SPG: No
USAA WC: No
TU FICO: 772 (Discover) • Exp FICO: 772 (Citi)

Amex BCE $13K | Amex Costco TE $10.4K | Amex SPG $5K | Chase Freedom Visa Signature $15K | Chase Sapphire Preferred Visa Signature $15K | Chase Ink Plus World Elite MC $5K | Citi TY Preferred World MC $10.1K | Citi Forward $10K | Citi Diamond Pref $7.6K | Discover IT $9.9K | JP Morgan Chase Select Visa Signature $9.2K | NFCU CashRew Visa Sig $25K | NFCU LOC $15K | NFL Visa Signature (Saints) $8.1K | USAA Amex $11.3K | USAA World MC $11.5K
Super Contributor
Posts: 6,002
Registered: ‎05-23-2009
0

Re: APR Reduction Spree!!!!

[ Edited ]

searchingfor67 wrote:
Congrats, Ron! Ironically I did the same thing before reading your post, and the results are as follows:

Discover IT 11.99/down from 13.99
Amex BCP 19.24/down from 22.24
Amex Costco TE 12.24/down from 15.24
Chase Freedom: No
Chase SP: No
Amex SPG: No
USAA WC: No

Congrats!!!!

 

 

Ron.

Super Contributor
Posts: 6,002
Registered: ‎05-23-2009
0

Re: APR Reduction Spree!!!!


searchingfor67 wrote:
Congrats, Ron! Ironically I did the same thing before reading your post, and the results are as follows:

Discover IT 11.99/down from 13.99
Amex BCP 19.24/down from 22.24
Amex Costco TE 12.24/down from 15.24
Chase Freedom: No
Chase SP: No
Amex SPG: No
USAA WC: No

Thanks for reminding. I just called Amex to lower my Costco Amex 13.24% to 10.24% (prime + 6.99%).  I think it is the lowest rate for that card.

 

 

Ron.

Super Contributor
Posts: 6,002
Registered: ‎05-23-2009
0

Re: APR Reduction Spree!!!!

Discover More Card: 13.99---9.99%.

 

 

Ron.

Super Contributor
Posts: 6,002
Registered: ‎05-23-2009
0

Re: APR Reduction Spree!!!!

Discover Open Road: 16.24%-12.24%.

 

 

Ron.

Super Contributor
Posts: 6,002
Registered: ‎05-23-2009
0

Re: APR Reduction Spree!!!!

Discover More Card: 12.99%-10.99%

BofA Better Balance Rewards Visa: 12.99%-11.99%.

 

 

Ron.

Contributor
Posts: 93
Registered: ‎12-16-2012
0

Re: APR Reduction Spree!!!!


napplegate wrote:
I plan on calling Chase about an APR reduction on my Freedom once the zero APR offer expires. If denied would calling the EO be fruitful? From what I've gathered Chase is rather stingy with APR reductions but I certainly am not going to cancel my card and apply anew just to get a better rate...

Chase seems to not like to give APR reductions they are almost double the avg APR of my other cards. Seems like the only wat to get a low APR on a Freedom these days is if you are able to PC to it from another card that had a lower APR on it when you PCed. I actually considered accepting one of my CSP pre-approvals  then moving as much of my freedom CL as they will allow and closing the freedom then at end of year pcing the CSP back to a freedom just to drop my rate 1% but in the end decided it was not worth the effort since I never carry a balance and if I ever did I would use my USAA rate advantage card.

Super Contributor
Posts: 6,002
Registered: ‎05-23-2009
0

Re: APR Reduction Spree!!!!

Chase and Citi don't like APR reduction.

 

 

Ron.

Super Contributor
Posts: 6,002
Registered: ‎05-23-2009
0

Re: APR Reduction Spree!!!!

Bank Of America Accelerated Rewards Amex : 11.99%-10.99%.

 

 

Ron.

Valued Contributor
Posts: 1,357
Registered: ‎02-07-2010
0

Re: APR Reduction Spree!!!!


Ron1 wrote:

Chase and Citi don't like APR reduction.

 

 

Ron.


not true about citi. they lowered from 14.24 to 11.24 in jan 2012.

EX BankCard 8 FICO 820 (250-900) 04/08/14
TU FICO 806 (350-850) 04/10/14
EX VT 3.0 805 (300-850) TU VT 2.0 891 (501-990)
Credit.com score 798 (300 - 850) TU transrisk 772
card line up here: http://ficoforums.myfico.com/t5/Credit-Cards/How-Many-Credit-Cards-Do-YOU-have/m-p/1034512#M290859
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