Credit Card Center Advertiser Disclosure

Established Member
Posts: 54
Registered: ‎08-26-2007
0 Kudos

Has anyone had any luck asking for an APR reduction lately?

[ Edited ]
CC customers sometimes used to have some success w/this if they’d been paying on time. I haven’t tried it for a while-the only time I did was w/Chase & they stonewalled me-& now with the economy the way it is I’m wondering if anyone’s had any luck w/it. I’m looking for a 0% intro APR card to BT to & wondering if I should even have this as a possibility in the back of my mind or if I should just forget it until the economy improves.

VG to exc scores, no baddies on CRs
Message Edited by dazed on 04-04-2009 08:13 PM
Frequent Contributor
Posts: 261
Registered: ‎01-20-2009
0 Kudos

Re: Has anyone had any luck asking for an APR reduction lately?

Go for the Chase Disney card. 0% BT for 12 months with a capped $75 fee. An easy approval. They gave me 20K.
Senior Contributor
Posts: 4,214
Registered: ‎09-12-2008
0 Kudos

Re: Has anyone had any luck asking for an APR reduction lately?

[ Edited ]

There are a lot of CC issuers offering 0% intro BT and 0% intro puchases.....and many others offering low apr.


Discover gave me 0% till 4/2010

Alliant Credit Union offered 5.99 BT and no BT fee

PenFed offers 2.99 and fee cap of max $100

CapOne offered various low APR and intro 0% and no BT fee

BoA offered me for past 3 months on my Visa 0% BT till November 2009 (from first offer about 10 months)

BoA now offers me 3.99 BT till November 2009

Message Edited by txjohn on 04-05-2009 04:23 PM

Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
Frequently Requested Threads * FICO High Achievers  *  FICO Score Estimator

09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
Established Member
Posts: 54
Registered: ‎08-26-2007
0 Kudos

Re: Has anyone had any luck asking for an APR reduction lately?

Right-o, thanks for all that info! I ended up apping Citi Platinum,0 APR-I hope-until 4/10. I took Citi over Discover b/c a lot of veterinary clinics (the reason for my wanting a O% intro BT card in the first place, darnit!)  in this area don't take Discover b/c they've had probs w/it. Also Citi has a lower APR than Discover.

Citi’s 8.74% apr isn't bad at all (if I get it & I think I will) it's just that I was thinking about not wanting a high apr on any balance remaining after the intro’s over.
Valued Member
Posts: 47
Registered: ‎04-04-2008
0 Kudos

Re: Has anyone had any luck asking for an APR reduction lately?

[ Edited ]

My Citi card jumped to 19.99% for no reason whatsoever. Well, maybe it's because they're on the verge of collasing or something... Smiley Happy


Anyway, I called them up and asked them to lower it and they did. In fact, they changed it to an even lower APR than I started with! I went from 13.99% to 19.99% to 10.99%.


I called Chase up for a reduction, but they were only willing to from 23.99% to 21.99%. I guess I'll keep a zero balance on that one. 


Capital One denied me a APR decrease outright. Also keeping a zero balance. Smiley Happy


My FICO's are mid to high 600's, and my last late was over 4 years ago.


Hope that helps!

Message Edited by DrDr on 04-06-2009 02:53 PM
Regular Contributor
Posts: 205
Registered: ‎10-16-2008
0 Kudos

Re: Has anyone had any luck asking for an APR reduction lately?

I called capital one and was able to get my interest rate reduced by 5%.It took three attempts over a two week period, but i finally got a supervisor to reduce my rate. Good luck
Current Score (05/12/15): EQ:583; TU: 570; EX: 596 (FICO)
Starting Score (01/20/15): EQ:511 (FICO); TU: 521 (FAKO)

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.