topic Re: Do Store Cards Ever Reduce APR? in Credit Cards

Do Store Cards Ever Reduce APR?

Repairman — Fri, 04 Sep 2015 23:41:58 GMT

I have a Banana Republic store card with a very high APR (as store cards usually do) and I'm curious if store branded cards, whether a pure store card, or a store Visa/MC, will ever reduce an APR upon request. I attempted to ask for an APR reduction on my Banana card and was told that the advertised APR is the lowes APR available for the card. Is that always true?

Re: Do Store Cards Ever Reduce APR?

Kb109 — Fri, 04 Sep 2015 23:45:35 GMT

Nope, never. These cards are not meant to have balances carried on them.

Re: Do Store Cards Ever Reduce APR?

myjourney — Fri, 04 Sep 2015 23:55:01 GMT

Most store cards only offer one APR with the card so that pretty much says it all

Re: Do Store Cards Ever Reduce APR?

Anonymous — Sat, 05 Sep 2015 00:05:53 GMT

Negative ghost rider pattern is full. Proceed to major bank for lowering apr's.

Re: Do Store Cards Ever Reduce APR?

OmarGB9 — Sat, 05 Sep 2015 01:42:02 GMT

No lowering of APR on store cards sadly.

Re: Do Store Cards Ever Reduce APR?

Anonymous — Sat, 05 Sep 2015 05:20:24 GMT

These cards are not meant for balance carrying outside of promotional offers.

Re: Do Store Cards Ever Reduce APR?

score_building — Sat, 05 Sep 2015 08:57:23 GMT

Yes it's true, store cards ineligible for APRD, only fit for PIF purchases due to usurious interest rates.