@NoAnchoviesPlease wrote:
My initial guess would be "no" and there's another recent thread here asking specifically about Chase, with little to no success reported.
I would guess you'd have to get a new card to get a better rate. But it probably doesn't hurt to ask, esp. if you're over 18% on any of them.
(edited to add link to that thread, since threads float and sink with the tides)
I posted on that thread about having had the Chase Freedom at 24.24% and never getting reductions. Since I'm goofing off today, called Chase to ask why so high and what they can do about it. The nice CSR said that a customer cannot initiate reduction and they have no way of manually being able to do it. Only way is if it gets done automatically during usual 6 month account reviews. And that since I PIF all the time, it shouldn't matter to me, (which it doesn't, but wanted to know what could be done).
The funny part of the conversation was that he told me "you have a pretty good rate already" and I said, "24.24% is not what I would call a good rate", then he proceeded to tell me that it was just reduced to 17.24% just recently and is on my new statement. Hahaha, talk about timing. But it took them 15 years to reduce it!
