Walmart APR reduction?

[zsepthenne]

This was one of my first cards I acquired on my credit journey, and was transitioned to the discover version a few months ago. Started at $600 and just recently made it to $4000. My APR is 22.90% ouch! I do occasionally hold a 10% balance on this card, though it's been sock drawered for 2 months.

Anyways I tried calling for an APR reduction, customer service said they only do them when they reevaluate your account every 6 months to a year. Backdoor guy just wanted to transfer me back to customer service. Has anyone had luck with this?

[Vikz27]

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@zsepthenne wrote:

This was one of my first cards I acquired on my credit journey, and was transitioned to the discover version a few months ago. Started at $600 and just recently made it to $4000. My APR is 22.90% ouch! I do occasionally hold a 10% balance on this card, though it's been sock drawered for 2 months.

Anyways I tried calling for an APR reduction, customer service said they only do them when they reevaluate your account every 6 months to a year. Backdoor guy just wanted to transfer me back to customer service. Has anyone had luck with this?

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Synchrony Financial does not negotiate APR's... ever! so you are stuck with that one until the internal computer decides to lowers yours(which is never).

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[zsepthenne]

Baahh that's a bummer! Guess it will reside in the sock drawer.

Shockingly the Walmart computers seem to like me more than real life people. Was denied over the phone for an increase, then hit the luv button the next day and was approved