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Requesting Lower APR on Subprime Cards

Senior Contributor

Requesting Lower APR on Subprime Cards

Anybody ever had any luck with this? The cards I'm referencing in particular are First Premier, CorTrust, & Orchard.

Also, I will be doing this for my girlfriend's card as well, which is with First Financial (don't really know if that is subprime or not).

Thanks for your input! Smiley Happy


Edit: I should mention that I have been with each of these companies for at least 2 years.

Message Edited by laz98 on 09-19-2008 10:19 AM
Latest scores: Walmart TU: 769. MyFICO TU: 769. DCU EQ: 755. MyFICO EQ: 780. PSECU EX: 756. MyFICO EX: 780.
Message 1 of 4
3 REPLIES
Moderator Emeritus

Re: Requesting Lower APR on Subprime Cards

I have seen HSBC lower APR's after a few months of clean payment history.
Message 2 of 4
Senior Contributor

Re: Requesting Lower APR on Subprime Cards

bit of an update:  i did get cortrust to lower my APR for 6 months (that's when my anniversary will be up).

 

guess it can happen!  Smiley Wink

Latest scores: Walmart TU: 769. MyFICO TU: 769. DCU EQ: 755. MyFICO EQ: 780. PSECU EX: 756. MyFICO EX: 780.
Message 3 of 4
Valued Contributor

Re: Requesting Lower APR on Subprime Cards

Congrats!
Message 4 of 4