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.
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?
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.