APR Reductions on Three Cards

[Anonymous]

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[Anonymous]

Wow.. Nice and good job!!

[Anonymous]

Wait, what?! You can do this? I thought you could only receive an APR reduction IF (and only if) there was some promotional offer, and anyways the reduction would only last during the limited time of that offer! How did you even approach the conversation - just asking the first agent that answered? I've had three of my CCs for the last 8-9 years and have never tried this because I was under the impression it wasn't possible!

[Anonymous]

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@Anonymous wrote:

Wait, what?! You can do this? I thought you could only receive an APR reduction IF (and only if) there was some promotional offer, and anyways the reduction would only last during the limited time of that offer! How did you even approach the conversation - just asking the first agent that answered? I've had three of my CCs for the last 8-9 years and have never tried this because I was under the impression it wasn't possible!

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It's possible with most credit cards with the exception of Chase.

[OmarGB9]

^And cap1.

[Anonymous]

Outstanding! You are really taking care of your accounts...

[thummel]

Nice reductions and a cli!

[Imperfectfuture]

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@OmarGB9 wrote:
^And cap1.

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Got perma reduction cap one. 

*And, going to get one from Chase.  

[OmarGB9]

I think you're an outlier lol.

[NRB525]

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@Anonymous wrote:

 He not only upgraded my account so there will be no annual fee going forward, but he refunded the $39 that I had paid in January!

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This is the big congratulations, saving that $39 per year is what will be noticeable.

Oh, congratulations on the APR reductions and the CLI too

I managed to get my SPG down to 10.49% APR. Still have others to work on.