What's your best APR?

[TrueGeminiNC]

Citi ThankYou Premier 9.9% w/ 9K limit.

*the account started as an AT&T Universal Mastercard 17 years ago.  Since opening the account the card has been converted several time to varios Citi products.  Thankfully, Citi allows me to keep the low interest rate with each product change.

[d170]

What is your best APR on one of your cards?

Card Type: Platnimum MasterCard

Issuer: Credit Union of Denver

Limit: 4k

APR: 7.24

How long have you had it? 2006/7

Did you have to call in to get it decreased from original? It was secured 14.24% (300$) and they changed the cc platform. I went to their standard card 12.24% 500$. Then apr auto decreased to 9.24 then 7.24. Requested CLI and they gave me 4k. 

[jamesdwi]

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@tvandine wrote:

What is your best APR on one of your cards?

Card Type: MC 

Issuer:   Capital One Quicksilver  (started life as a platinum card)

Limit:  2500

APR:  11.99%

How long have you had it?  5 years

Did you have to call in to get it decreased from original?  rate was part of the offer to apply

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[DarkMoonLily]

Card Type: Alaska Airlines Platinum Plus Visa

Issuer: Bank of America

Limit: 2k

APR: 14.74%

How long have you had it? 1 year, 5 months 

Did you have to call in to get it decreased from original? Nope.

[Alaskagurl]

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@tvandine wrote:

What is your best APR on one of your cards?

Card Type:  Visa Platinum

Issuer: Simmons First

Limit: 9500.00

APR: 7.25

How long have you had it? 4-6 months

Did you have to call in to get it decreased from original? no

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[Ubuntu]

Chase Freedom 9.90% APR, 15k limit.  This card was born as a Slate in 2006 and it was PCd to a Freedom when they started the 5% categories. I'm technically an AU on this card.

Amex BCP 12.99% APR, 25k limit. Brand new, opened in July, 2014.

[RockinRay]

USAA Master Card

$35k line

7.75% Interest rate

[CreditJim]

5.9% on my Cap One card

[Anonymous]

Mine would be my MB Financial MC (Chicago bank I use to work at). The rate is 11.9%, which is actually not the lowest they offer. Limit is only $3500. I never called to try to have it lowered since I PIF. Rewards are actually pretty good for travel if you live in Chicago.

Other cards:

PNC CashBuilder - 12.99%

PNC Points - I don't remember, but its high. First CC and I haven't used in years

Amex BCP - 12.99%

Cap1 QS - 13.99%

[PokemonMaster]

Card Type: cashRewards Visa Signature

Issuer: Navy Federal Credit Union

Limit: 5000

APR: 11.65

How long have you had it? A little over 3 years. It's my oldest tradeline.

Did you have to call in to get it decreased from original? Yes, it started out at 17.99 as a secured card and once it graduated it was automatically decreased to 14.65%. I sent a secure message a few weeks ago asking if I was eligible for an APR decrease. They got back to me letting me know that they lowered it to my now lowest APR of 11.65%.