09-08-2013 09:44 PM
has anyone had any success with this? my standard apr is 24.9 and 19.9 . i have never had any success with capital one when requesting a lower standard purchase apr.
09-08-2013 10:03 PM
My DH received a lower APR in March. It's now 14.99%
was it by request? how old is the account? above 810 FICO?
09-08-2013 10:20 PM
09-08-2013 10:34 PM - edited 09-08-2013 10:57 PM
09-09-2013 08:05 AM - edited 09-09-2013 08:06 AM
I had mine lowered as well; this was years ago though so I don't recall the details too well.
I had called in to ask for a CLI (inquired to make sure it'd be a soft pull before they checked) and they could not give me one.
Asked if they might be able to lower the APR instead since they couldn't give me a CLI and they did.
Edit: I think I may have mentioned that I used my BoA more because it had a higher limit and lower APR.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.