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Contributor
Posts: 142
Registered: ‎01-15-2013
0

Re: Lower APR Request

Congrats on the lower APR!

 

Could I get some more information on your request? How do you go about doing this?

 

Online chat, email, call, etc? Did they have to do a HP?



I'll be in the garden... FICO Score | TU-08: 732 in May 2013
Regular Contributor
Posts: 135
Registered: ‎01-29-2013
0

Re: Lower APR Request

[ Edited ]

I made the request through their secure message on the citi website. I basically asked if it was possible for them to lower my APR. I mentioned that I paid my bills on time 100% since I opened the card. Plain and simple and no HP!

 

Just make sure you say you do not authorize a HP for the request. I forgot to mention that in the message, but I confirmed it with the rep via online chat that no HP was made. Good luck!

BOA Better Rewards | Citi Forward | Chase Freedom | Discover IT | Amex BlueSky | Chase IHG | Sallie Mae | Chase CSP | Barclays Rewards | Banana Republic Visa

Contributor
Posts: 142
Registered: ‎01-15-2013
0

Re: Lower APR Request

Great. Thanks for the info.



I'll be in the garden... FICO Score | TU-08: 732 in May 2013
New Contributor
Posts: 401
Registered: ‎03-16-2013
0

Re: Lower APR Request

Very informative.Thanks

Citi Bank X2/ 29k-USAA Amex/Mastercard 24k-PP Mastercard 20k_
WMDiscover 20k-PenFed X2/15k
Current Fico/EQ-765
Garden Time Day- 10
Remaining Days-170
Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012
0

Re: Lower APR Request

[ Edited ]

Congrats on the decrease! My citi card has had an APR of 29.99 despite perfect payment history since I opened the card nearly 8 years ago. I started with an apr at less than half that, then they increased it in late 2009.

I think I will try by sending a message, since my calls always result in "your account is not eligible for an apr reduction at this time".


Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Frequent Contributor
Posts: 341
Registered: ‎08-14-2012
0

Re: Lower APR Request

Very, very informative. Congrats on the APR decrease. I guess I'll be doing the same, after my 2% decrease is finalized? I think I got .50% off thus far. Would be nice if I could expedite the process.

Cap One Platinum MC $2.5k CL (08/12)
Citi Forward Student Visa Card $1.5k CL (09/12)
Express NEXT Card $0.25k CL (02/13), Jcrew CC $0.7k CL(02/13)
AMEX PRG NPSL (03/13), AMEX Gold Delta Skymiles 2k (03/13)
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TU: 687 FICO (3/13) | EX: 692 Lender Pull (3/13) | EQ: 678 (4/1/13)
Regular Contributor
Posts: 135
Registered: ‎01-29-2013
0

Re: Lower APR Request

I'll shed some history of my card:

 

Citi Forward opened in 11/2009 with $3000 CL. Used monthly reporting average of $300-500. Requested first CLI in 2011 (SP) to $3500. Second CLI (I forget if it was auto or requested) to $5000. Third CLI last year to $5800 (took a HP for that...). Put a balance transfer on that card for $3500, which expires next month. At the time I requested the APR decrease, I was at 33% util due to the unpaid balance transfer. Perfect history on this card otherwise.

 

This was really YMMV. I requested one for my dad's Citi card, which was opened in 1995. Perfect payment history. However, he has been carrying a balance near his limit for a year. Paid off that balance and then asked for APR reduction, but was denied.

BOA Better Rewards | Citi Forward | Chase Freedom | Discover IT | Amex BlueSky | Chase IHG | Sallie Mae | Chase CSP | Barclays Rewards | Banana Republic Visa

Established Contributor
Posts: 591
Registered: ‎05-05-2012
0

Re: Lower APR Request

Congrats on the lower APR!
Gardening Since: March 4, 2013.
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