Hit the one year mark about a week ago, my card unsecured back in April. So tonight I figured I'd go on and ask if I could get an APR reduction, a much needed one considering I was at 23.99%.
I went to Chat and asked she checked for a minute or two and said I had 2 available offers.
1) 12 months 0% APR
2) Permanent APR reduction of 4.75%.
She then asked if I had any large purchases coming up and just wanted to see which might be the best option for me, she was very helpful.
I went with option 2, now I'm sitting at 19.24%!
Hoping to get it down with 13% in a year or so
Just wanted to share in case anyone out there is considering it.
I went to Chat and asked she checked for a minute or two and said I had 2 available offers.
1) 12 months 0% APR
2) Permanent APR reduction of 4.75%.
She then asked if I had any large purchases coming up and just wanted to see which might be the best option for me, she was very helpful.
I went with option 2, now I'm sitting at 19.24%!
Hoping to get it down with 13% in a year or so
Just wanted to share in case anyone out there is considering it.
@Anonymous wrote:
sounds good! you've inspired me to ask for an Apr reduction
Ok... Peggy 
https://www.youtube.com/watch?v=_HsLHfNNpJQ
Just got my Discover It card, 23.99% 
Have yet to use it, guess I'll use it a little then try to lower.
@Anonymous wrote:Just got my Discover It card, 23.99%
I'm surprised they did that with your scores... When I tried calling early they said to wait for the 1 year mark, but I've heard 6 months as well on here YMMV. Good luck with the CLI's too!
CONGRATS on lowering your APR!!!
Gardening Until Further Notice