topic Re: APR Reductions on Three Cards in Credit Cards

APR Reductions on Three Cards

Anonymous — Sun, 07 Aug 2016 17:23:29 GMT

deleted

Re: APR Reductions on Three Cards

Anonymous — Sat, 09 Apr 2016 22:15:06 GMT

Wow.. Nice and good job!!

Re: APR Reductions on Three Cards

Anonymous — Sat, 09 Apr 2016 22:18:46 GMT

Wait, what?! You can do this? I thought you could only receive an APR reduction IF (and only if) there was some promotional offer, and anyways the reduction would only last during the limited time of that offer! How did you even approach the conversation - just asking the first agent that answered? I've had three of my CCs for the last 8-9 years and have never tried this because I was under the impression it wasn't possible!

Re: APR Reductions on Three Cards

Anonymous — Sat, 09 Apr 2016 22:30:01 GMT

@Anonymous wrote:
Wait, what?! You can do this? I thought you could only receive an APR reduction IF (and only if) there was some promotional offer, and anyways the reduction would only last during the limited time of that offer! How did you even approach the conversation - just asking the first agent that answered? I've had three of my CCs for the last 8-9 years and have never tried this because I was under the impression it wasn't possible!

It's possible with most credit cards with the exception of Chase.

Re: APR Reductions on Three Cards

OmarGB9 — Sun, 10 Apr 2016 00:51:53 GMT

^And cap1.

Re: APR Reductions on Three Cards

Anonymous — Sun, 10 Apr 2016 01:06:14 GMT

Outstanding! You are really taking care of your accounts...

Re: APR Reductions on Three Cards

thummel — Sun, 10 Apr 2016 05:09:38 GMT

Nice reductions and a cli!

Re: APR Reductions on Three Cards

Imperfectfuture — Sun, 10 Apr 2016 08:31:34 GMT

@OmarGB9 wrote:
^And cap1.

Got perma reduction cap one.

*And, going to get one from Chase.

Re: APR Reductions on Three Cards

OmarGB9 — Sun, 10 Apr 2016 14:38:16 GMT

I think you're an outlier lol.

Re: APR Reductions on Three Cards

NRB525 — Sun, 10 Apr 2016 14:53:24 GMT

@Anonymous wrote:

He not only upgraded my account so there will be no annual fee going forward, but he refunded the $39 that I had paid in January!

This is the big congratulations, saving that $39 per year is what will be noticeable.

Oh, congratulations on the APR reductions and the CLI too

I managed to get my SPG down to 10.49% APR. Still have others to work on.

Re: APR Reductions on Three Cards

UFGuy2006 — Mon, 11 Apr 2016 00:42:36 GMT

Nice reductions! If you don't mind me asking, which Barclays card do you have?

Re: APR Reductions on Three Cards

Imperfectfuture — Mon, 11 Apr 2016 02:53:14 GMT

@OmarGB9 wrote:
I think you're an outlier lol.

🍹🍻😈 People have called me worse.

Re: APR Reductions on Three Cards

Anonymous — Mon, 11 Apr 2016 16:38:45 GMT

@NRB525 wrote:
@Anonymous wrote:

He not only upgraded my account so there will be no annual fee going forward, but he refunded the $39 that I had paid in January!

This is the big congratulations, saving that $39 per year is what will be noticeable.

Oh, congratulations on the APR reductions and the CLI too

I managed to get my SPG down to 10.49% APR. Still have others to work on.

Congrats NRB on your APR reduction!

Re: APR Reductions on Three Cards

Anonymous — Mon, 11 Apr 2016 16:44:20 GMT

A W E S O M E PNR!! You did a fabulous job!! Many kudos on your successes!!

Re: APR Reductions on Three Cards

Anonymous — Tue, 12 Apr 2016 03:06:03 GMT

I've never had a problem with BofA. I started out with their secured card ($39/year AF) and when I opened a second CC with them I requested to upgrade my secured to their travel card. Without me even mentioning it, the CSR asked me if I wanted to remove the AF too (ofc I wasn't going to turn them down). so far I like them. But I may be moving to a different primary card...cough cough I'm looking at you CSP.

I haven't paid attention to APRs because I still have a few that are still in the introductory period...and I very rarely carry a balance.

Re: APR Reductions on Three Cards

Anonymous — Tue, 12 Apr 2016 03:07:30 GMT

very good news, good work!!

Re: APR Reductions on Three Cards

Anonymous — Tue, 12 Apr 2016 13:18:34 GMT

@Anonymous wrote:
Today I decided to call and ask for APR reductions on my credit cards, and I did better than I expected.

American Express: 18.24% --> 13.49% WOHOOOOO!!!!!!!!!!!!!!!!!!
Bank of America: 18.24% --> 15.24% AWESOME!!!!!
Barclaycard: 25.24% --> 21.24%

I also mentioned to the agent from Bank of America that I was receiving offers to apply for new cards from them on a regular basis, but the offers were for cards that had no annual fee, and I asked if I could upgrade my current account to have no annual fee as well. He not only upgraded my account so there will be no annual fee going forward, but he refunded the $39 that I had paid in January!

The agent I spoke to at Barclaycard told me that I was eligible to increase my credit line (I didn't bring it up at all), and I agreed as long as there was no hard pull. She asked for my income and then increased my credit line by $2,000. Now my card has a $6,000 limit.

I was amazed that all of the banks are willing to do this, and all I had to do was call and ask!

I would keep calling every 60-90 days on the Amex. U should easily get that below 9%. Not so sure on the Bank of America.

Re: APR Reductions on Three Cards

galahad15 — Tue, 12 Apr 2016 15:56:06 GMT

Congrats on the outstanding APR reductions and CLI!