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Discover APR reduction....

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Closingracer99
Valued Contributor
‎07-25-2015 12:49 PM
‎07-25-2015 12:49 PM

Discover APR reduction....

Just got my APR down to 17.24% from 18.99% lol... OH well lol at least it was something. Might go check and see if Citi will with my Thank you card. Is citi good with doing it?


My Cards: Amex BCE: $9,000, Amex Hilton HHonors: $2,000, Amex ED: $12,000, Barclays NFL extra points: $3,000, Bank of America MLB cash rewards: $17,000, BBVA compass NBA Amex triple double rewards: $17,000, Chase Amazon: $1,000, Chase Freedom: $9,000, Chase Sapphire: $5,000, Chase Slate: $5,000, Chase Disney: $4,000, Citi Double Cash: $5,400, Citi AA plat: $5,500, Citi Simplicity: $3,000, Citi Thank you preferred: $8,800, Capital one GM: $2,000, Capital one PlayStation: $3,000, Gamestop: $1,150, Amazon Store: $5,000, Ebay MasterCard: $5,000, American Eagle Storecard: $750, Macy's: $500
EX: 744, TU:750, EQ: 740
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NRB525
Super Contributor
‎07-25-2015 12:53 PM
‎07-25-2015 12:53 PM

Re: Discover APR reduction....

It probably depends. I got all excited last year when Discover lowered mine from 19.99 to 18.24.

Called Citi and they said, nope, the card you have is at its lowest possible APR of 17.99%. I went back to the application paperwork, the mailer they sent me, and it was indeed set for a specific 17.99 apr.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
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Closingracer99
Valued Contributor
‎07-25-2015 12:56 PM
‎07-25-2015 12:56 PM

Re: Discover APR reduction....

@NRB525 wrote:

It probably depends. I got all excited last year when Discover lowered mine from 19.99 to 18.24.

Called Citi and they said, nope, the card you have is at its lowest possible APR of 17.99%. I went back to the application paperwork, the mailer they sent me, and it was indeed set for a specific 17.99 apr.

Discover card had a specific APR of 18.99% which was my lowest if you don't include the CS and Disney which are set at 15.99% currently. most of my cards are around 22% 


My Cards: Amex BCE: $9,000, Amex Hilton HHonors: $2,000, Amex ED: $12,000, Barclays NFL extra points: $3,000, Bank of America MLB cash rewards: $17,000, BBVA compass NBA Amex triple double rewards: $17,000, Chase Amazon: $1,000, Chase Freedom: $9,000, Chase Sapphire: $5,000, Chase Slate: $5,000, Chase Disney: $4,000, Citi Double Cash: $5,400, Citi AA plat: $5,500, Citi Simplicity: $3,000, Citi Thank you preferred: $8,800, Capital one GM: $2,000, Capital one PlayStation: $3,000, Gamestop: $1,150, Amazon Store: $5,000, Ebay MasterCard: $5,000, American Eagle Storecard: $750, Macy's: $500
EX: 744, TU:750, EQ: 740
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