Awesome 22.49% Citi Promo APR

[happypill]

Got this awesome offer from Citi today for "Low Promo Rate" of 22.49% APR until January, after which it will go back to the standard APR of 22.49%.  What luck, they are so generous!

Actually, it's very strange because they had an earlier promo offer of 0% APR until November 2018 which I accepted already, so if I choose to accept this offer does it cancel the 0% and go back up to 22.49%?  I always PIF so neither offer nor the APR impact me at all, but it sure is funny.

[Uncle_Money]

LOL surely this must to be a mistake. I would be right on the phone with them demanding a decent promo.It's an insult.

From time to time, I call CITI to complain about the APR on my Double Cash card and I tell them it's the highest so I won't be using the card anymore. Not what they want to hear so they usually offer me some kind of promo. I would try that. You have nothing to lose here!

Uncle Money

[AverageJoesCredit]

Lol, best offer ive ever seen, just dont get to happy, they might just offer you a higher rate

[RockinRay]

My DC is 23.90% APR and only has a $4400 line.

I really should just close it. I tried to get them to move that CL to my Costco Visa but they would not. 

So, my retaliation is to report the card lost about every 6 months and have them send me a new card.  

[Anonymous]

I got this same email and while it took a second or two, the rate stared scrolling backwards from my current rate to 5.99%.  Maybe a glitch in the email?

[JoeLuvsHisCredit]

All I have to say is LMAO at Citi

[Anonymous]

My two Citi cards are 13.49% and 16.24%. Both have $6,300 limits.

I once worked at Belk department store.  We switched signs for weekly sales but the price of the garments would end up being the same.

Take $100 jacket.  One week it would simply be on sale for $80.  The next week it would be 20% off.

[MyLoFICO]

Wow. They REALLY appreciate your business. lol That gave me Forest Whitaker eye. 

[Coolermaster007]

I got that ofter on my DC yesterday but mine says 0.99% until 1/1/18 my limit is 27k but i also get tons of bt / checks with then i should deposit the whole limit in cash on my checkings & burn the car for being such pita lender lol

[Anonymous]

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@RockinRay wrote:

My DC is 23.90% APR and only has a $4400 line.

I really should just close it. I tried to get them to move that CL to my Costco Visa but they would not. 

So, my retaliation is to report the card lost about every 6 months and have them send me a new card.  

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Comm'on Ray, remember Citi is a bastian of forward thinking and innovation