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I have a simplicity card with 12 months left of 0%. I was approved with a 17.99 but lately I have been getting mailbox spammed by citi for their cards, among them a prequal for a Simplicity with a 12.99 rate, any chance citi will lower the rate or will I be stuck with what I have once the promo terms expire? It is my highest APR.
Citi does lower some APRs for specific products; however, the account has to be elegible for the APR reduction. You could always contact them to see if you are elegible.