Valued Member
tacaza
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% :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: 

 

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

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Valued Contributor
trumpet-205
Posts: 2,505
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
mxp114
Posts: 1,379
Registered: ‎09-01-2011
Re: Boa APR reduction

Do they HP for APR?

Valued Contributor
trumpet-205
Posts: 2,505
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
tacaza
Posts: 45
Registered: ‎03-26-2010
Re: Boa APR reduction
No alert so far.
Regular Contributor
culture
Posts: 201
Registered: ‎02-27-2013
Re: Boa APR reduction

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 

Established Contributor
ObeyJohnny12
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
HiLine
Posts: 3,172
Registered: ‎10-19-2012
Re: Boa APR reduction

Congratulations! Were you carrying a balance on the card?

 

Regular Contributor
culture
Posts: 201
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 ..