Has anyone been able to get a reduced apr with chase or a credit line increase if so how? I've been with them for about 1 year and 4 months and am still stuck at $800 limit and apr of 22.99%
have you used the card alot?
i was approved back in july for a 500 limit with the 22.9apr but 0% on bt and purchases for the first 18 months. since then i got a auto cli to 1k last month.
to my knowledge you can request one but it would be a hard pull.
|Current: Discover Fico 709 3/15 Walmart Fico 743 4/15|
Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Earn Cash Back
|Amex Zync(Unicorn) |
Citi DC $10,000
Chase bought WAMU a few years back, and I had a WAMU card. Chase immediately rate jacked my APR to 29.99% (the default rate) for no reason. The account was 10 years old, with no issues. Eventually they switched me to a Slate card, and about 6 months ago I PC'd it to a CSP, and got a CLI to $25,000. I've tried and tried to get them to reduce the APR since they took over the account years ago, and they always refuse, saying that I they'll "check again in six months". I also have a JPM Select that has the standard 14.24% that comes with that card, and they STILL won't lower the rate on the CSP. The APR really doesn't matter as I never carry balances - it's the principal of the matter that gets to me every time I think about it!
ok so that is the same luck im gettting I cant get apr reduction for anything.. in regards to cli they want a hard inquiry and I aint having it
I'm at 17.99% and plan on calling to ask for a reduction Tuesday.
ok so based on what im hearing and being in contact with there executive office these companies will never budge on apr becuse i also get told to callbck in 6 months