Lowering APRs

[L-TWT]

Amex 12.99% -----> 8.24%

Citi 12.99% -----> 10.74%

[ScoreOrBeScored]

---

@chwebb1 wrote:

---

@creditconcept wrote:

What banks have you all successfully requested and had your APR lowered on a CC with? Also, by how much? 5% 3%...?

THANKS!!

---

BoA: 19.99% to 12.99% - Cash Rewards

BoA: 18.99 to 11.99% - Better Balance Rewards

AMEX: 17.99% to 14.99% - Blue Cash Everyday

Discover: 18.99% to 17.24% - Discover It

Citi: 17.99% to 15.99% - Double Cash (Was Dividend previously)

I'm already at the lowest APRs offered by Barclaycard (13.99% on Sallie, 8% on Ring).

---

When asking BOA for a APR reduction, is it thru CSR or backdoor?

[ilovelisa]

Bank of America- 20.9% to 14%

Discover- Asked but they offered 0% APR on new purchases for a year.

[lg8302ch]

I have been successful with BofA, Cap1, Citi, Amex, Discover and Barclays. The only lender that will never budge is the one which gave me the highest APR ...Chase😜

For most lenders I got it lowered by 5%. I do not remember the original but current APRs are in my signature. 

[lg8302ch]

---

@ScoreOrBeScored wrote:

---

@chwebb1 wrote:

---

@creditconcept wrote:

What banks have you all successfully requested and had your APR lowered on a CC with? Also, by how much? 5% 3%...?

THANKS!!

---

BoA: 19.99% to 12.99% - Cash Rewards

BoA: 18.99 to 11.99% - Better Balance Rewards

AMEX: 17.99% to 14.99% - Blue Cash Everyday

Discover: 18.99% to 17.24% - Discover It

Citi: 17.99% to 15.99% - Double Cash (Was Dividend previously)

I'm already at the lowest APRs offered by Barclaycard (13.99% on Sallie, 8% on Ring).

---

When asking BOA for a APR reduction, is it thru CSR or backdoor?

---

Got mine from the retention department 

[ilovelisa]

---

ScoreOrBeScored wrote:

---

chwebb1 wrote:

---

creditconcept wrote:

What banks have you all successfully requested and had your APR lowered on a CC with? Also, by how much? 5% 3%...?

THANKS!!

---

BoA: 19.99% to 12.99% - Cash Rewards

BoA: 18.99 to 11.99% - Better Balance Rewards

AMEX: 17.99% to 14.99% - Blue Cash Everyday

Discover: 18.99% to 17.24% - Discover It

Citi: 17.99% to 15.99% - Double Cash (Was Dividend previously)

I'm already at the lowest APRs offered by Barclaycard (13.99% on Sallie, 8% on Ring).

---

When asking BOA for a APR reduction, is it thru CSR or backdoor?

---

I was transferred to a Credit Analyst. She thanked me for always paying on time and managing my account well. Then she dropped it from 20.9% to 14%.

[johnpalley]

Which Amex card do you have at 8 percent?

---

@L-TWT wrote:

Amex 12.99% -----> 8.24%

Citi 12.99% -----> 10.74%

---

[wacdenney]

If you need a low APR card designed for carrying a balance, I would suggest jumping on the Ring train.

[L-TWT]

The BCE, opened since 08'

[newhis]

---

@L-TWT wrote:

Amex 12.99% -----> 8.24%

Citi 12.99% -----> 10.74%

---

@L-TWT wrote:
The BCE, opened since 08'

---

I didn't know they can go lower than 12.99% (Amex), thank you.