Valued Member
Posts: 45
Registered: ‎03-26-2010
Boa APR reduction

Upon looking at the second statement on my BOA Travel Rewards card, the 22.90% APR really annoyed me. So I called the number on the back of the card and spoke with an account manager about an APR reduction. She was able to reduce the APR down to 11.90% Smiley Surprised. She also reminded me to call back a couple months later to check for rate reduction.

 

Just wanted to share my exp. You may want to call in and ask if you have sky high rate with them Smiley Tongue 

 

Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012
Re: Boa APR reduction
Wow.. that's great, Congrats!

Starting Score: EQ 717 EX 724 TU 736
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Valued Contributor
Posts: 2,512
Registered: ‎11-11-2010
Re: Boa APR reduction

I went from 20.99% to 12.99% on my Travel Rewards. A very simple process.

In My Wallet:
Citi Forward (12/2010) | Citi Dividend (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)
Valued Contributor
Posts: 1,513
Registered: ‎09-01-2011
Re: Boa APR reduction

Do they HP for APR?

Valued Contributor
Posts: 2,512
Registered: ‎11-11-2010
Re: Boa APR reduction

Not for me.

 

In My Wallet:
Citi Forward (12/2010) | Citi Dividend (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)
Valued Member
Posts: 45
Registered: ‎03-26-2010
Re: Boa APR reduction
No alert so far.
Regular Contributor
Posts: 207
Registered: ‎02-27-2013
Re: Boa APR reduction

i guess im a bad negotiator... Smiley Frustrated

 

I called the backdoor number.   Went from 22% to 19.99% .....

 

i see all this 1/2 changes......

 

maybe I did something wrong 

Established Contributor
Posts: 591
Registered: ‎05-05-2012
Re: Boa APR reduction
Wow, good for you! How long you had the card?
Gardening Since: March 4, 2013.
In My Wallet: Chase: Freedom Visa Signature | Sapphire Preferred World Mastercard. |
Blogger
Posts: 3,360
Registered: ‎10-19-2012
Re: Boa APR reduction

Congratulations! Were you carrying a balance on the card?

 

Regular Contributor
Posts: 207
Registered: ‎02-27-2013
Re: Boa APR reduction

ObeyJohnny12 wrote:
Wow, good for you! How long you had the card?

 

14 years ...

 


HiLine wrote:

Congratulations! Were you carrying a balance on the card?

 



yes .. i was like at 25% usage .. but not sure if last payment was reported ..