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How to get BOA APR Reduction

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2FixMyCredit
Established Contributor

How to get BOA APR Reduction

My promotion for 0% ends soon and I was wanting to see about getting an APR reduction, I've seen it happen before but not sure how to go about it.  Should I call customer service or a credit analyst?

Total CL: $40k+
Discover, BOA, GE, Cap 1, Chase, Barclay!
Gardening Start: 04/22/2013

Message 1 of 7
6 REPLIES 6
Skye12329
Valued Contributor

Re: How to get BOA APR Reduction

Probably Customer Service, but my guess is you might need to contact the EO. 

BK7 - 2/21
Cap1 QS - 2k (4/21)
Mission Lane - 4k (11/21)
Venmo - 900 (11/21)
SavorOne - 2500 (12/21)
VentureOne - 2000 (7/22)
Message 2 of 7
2FixMyCredit
Established Contributor

Re: How to get BOA APR Reduction SUCCESS! :)

I just called the credit analyst and was able to get it down from 20.99 to 16.99 after the 0% promotion Smiley Happy That was awesome! Smiley Happy

Total CL: $40k+
Discover, BOA, GE, Cap 1, Chase, Barclay!
Gardening Start: 04/22/2013

Message 3 of 7
eagle2013
Established Contributor

Re: How to get BOA APR Reduction

Congrats! I'll try the same once my promo is up in November
Message 4 of 7
B335is
Moderator Emeritus

Re: How to get BOA APR Reduction

Congrats, I requested this from regular customer service months ago. Never heard a thing.
Message 5 of 7
zeedakay
Member

Re: How to get BOA APR Reduction

Generally speaking if you've maintained good history throughout the promo you should be eligible for a lower rate after the 1+ year promo 

_______________________________________________________________________________________
Current Scores: EQ FICO 685 (03/25/2014), EX N/A, TU FICO 697 (04/14/2014)
Silver Spade Garden Club Member - Last App: 12/2013 - No apps until 2015
Starting Score: 535
Current Score: 697
Goal Score: 750

Message 6 of 7
B335is
Moderator Emeritus

Re: How to get BOA APR Reduction

Yeah im on about year 3 of taking advantage of promos on this card. Nothing neg ever.
Message 7 of 7
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