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how long should i wait??

Established Member

how long should i wait??

at the beginning of the yr i was late on a few cards dur to moving across the us. i tried to keep up with payments but it just got kinda hard. anyhow ive been making more than the min payment and all and i wanted to know when i should call to see if they can lower my apr. and what should i tell them.... thanks!
Message 1 of 5
4 REPLIES
Established Member

Re: how long should i wait??

Smiley Happybump
Message 2 of 5
Frequent Contributor

Re: how long should i wait??

Normally it is at least 6 mths of on time payments before a CC will lower your interest rates back down (never hurts to try at 3 mths).  Just be honest with them and keep making on time and above min. payments.  Good Luck vicki
~We'll Never Say Goodbye~
In Loving Memory
Of All Lost Mothers
Message 3 of 5
Established Member

Re: how long should i wait??

thanks for your help vicki!!!
Message 4 of 5
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Frequent Contributor

Re: how long should i wait??

After 6 months, how much should you expect that they lower it?
 
Will you ever get it back to where it started?
Message 5 of 5