Valued Member
tacaza
Posts: 42
Registered: ‎03-26-2010
Boa APR reduction

‎10-27-2012 07:16 PM

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% :smileysurprised:. 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 :smileytongue: 

 

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Valued Contributor
Epcot
Posts: 2,592
Registered: ‎10-10-2012
Re: Boa APR reduction

‎10-27-2012 07:19 PM

Wow.. that's great, Congrats!
Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 777 EX 767 TU 771
App free since 4/11/12
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Valued Contributor
trumpet-205
Posts: 1,909
Registered: ‎11-11-2010
Re: Boa APR reduction

‎10-27-2012 07:25 PM

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

In My Wallet:
Citi Forward (12/2010) | Citi TY Preferred (05/2011) | BofA Travel Rewards (07/2011) | Chase Freedom (11/2011)
GECRB/PayPal (05/2012) | Discover it (07/2012) | US Bank Cash Reward (08/2012) | AMEX BCE (09/2012)
Target (10/2012) | Chase Ink Classic (11/2012) | BofA Balance Rewards (04/2013)
(481 Views)
 
Valued Contributor
mxp114
Posts: 1,066
Registered: ‎09-01-2011
Re: Boa APR reduction

‎10-27-2012 10:03 PM

Do they HP for APR?

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Valued Contributor
trumpet-205
Posts: 1,909
Registered: ‎11-11-2010
Re: Boa APR reduction

‎10-28-2012 02:14 PM

Not for me.

 

In My Wallet:
Citi Forward (12/2010) | Citi TY Preferred (05/2011) | BofA Travel Rewards (07/2011) | Chase Freedom (11/2011)
GECRB/PayPal (05/2012) | Discover it (07/2012) | US Bank Cash Reward (08/2012) | AMEX BCE (09/2012)
Target (10/2012) | Chase Ink Classic (11/2012) | BofA Balance Rewards (04/2013)
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Valued Member
tacaza
Posts: 42
Registered: ‎03-26-2010
Re: Boa APR reduction

‎10-28-2012 02:21 PM

No alert so far.
(338 Views)
 
Regular Contributor
culture
Posts: 142
Registered: ‎02-27-2013
Re: Boa APR reduction

‎03-14-2013 06:25 PM

i guess im a bad negotiator... :smileyfrustrated:

 

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

 

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

 

maybe I did something wrong 



(153 Views)
 
Established Contributor
ObeyJohnny12
Posts: 574
Registered: ‎05-05-2012
Re: Boa APR reduction

‎03-14-2013 06:29 PM

Wow, good for you! How long you had the card?
Age: 19 | Fico TU 698 | Fico EQ 677 | Fako EX 665 (Credit Inform) (03/2013) Gardening Since: March 4, 2013.
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Blogger
HiLine
Posts: 1,608
Registered: ‎10-19-2012
Re: Boa APR reduction

‎03-14-2013 06:31 PM

Congratulations! Were you carrying a balance on the card?

 

---> HiLine's personal finance blog - Follow my journey!  :smileylol:


-Taking a break from the forums from 4/23/2013 :smileysad:
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Regular Contributor
culture
Posts: 142
Registered: ‎02-27-2013
Re: Boa APR reduction

‎03-14-2013 06:41 PM

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 .. 



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