@TiggerDat wrote:
I have 17 major credit cards and I make a point of asking for APR reductions occasionally on some of them. So a few days ago I decided to simply do the circuit and ask them all.
I got 7 permanent reductions and 4 temporary reductions.
Amex - 2 cads reduced, now at 14.99 (Hilton Honors) and 16.99 (BCP)
FNBO - reduced to 14.99
Discover -reduced to 17.24
Barclay Rewards - reduced to 17.24
Sallie Mae - reduced to 16.99
Citi Dividend - reduced to 20.99
Temporary reductions
APRs not listed here on them
3 Capital One Cards
Comerica/Elan also temporary
One card already at the lowest APR offered for that account for over a year: Marathon Visa.
No go's and will never lower it according to the CSRs
@Anonymous Masters Extra MC @ 23.99
No go's and possibly only with a HP
BofA
PNC
Chase
Didn't ask:
Huntington Voice - New card
The hardest of these to get lowered was the Barclay Rewards card which required me filing a case with them and getting a call back from an 'Account Manager'
So it can be done and everyone really should do it. Even if you PIF each month, you never know what the future might hold.
Most of the reductions were 3-4 points.
very nice job, I was hoping to see a chase reduction though.
