I have a question for someone who is familiar with this matter. I have a few cards with high APRs good limits but high APRs.
My score is right at 700 per myfico. I was wondering if anyone is familiar with the process in getting APRs lowered and if there
is necessarily a hard pull. I just have a low AAoA. 1 year and 10 months.
I want to get a lower rate on the foloowing cards:
1. USAA Mastercard with a whopping 23.99 APR, $0 balance with a 9k limit. I am not a full member. Anyone successful in getting
a lower rate with USAA?
2. HSBC GM Card with a 21.99 APR with 4k limit. $0 balance. I thought of calling them today and threatening to close the card if they
dont lower it.
3. Citi Platinum Select MC with 8.3k limit have a balance of 5.7k. The only card I have with a carried balance. Have 0% APR till April 2013.
after that its 20.99. I had planned on transferring this balance to my PSECU Visa which runs promos for BTs.
4. Discover with a 2.5k limit, 0 balance and 18.9 APR.
Any help would be appreciated.
