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    <title>topic Re: BOA APR Reduction in Credit Cards</title>
    <link>https://ficoforums.myfico.com/t5/Credit-Cards/BOA-APR-Reduction/m-p/5754646#M1669512</link>
    <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/1079833"&gt;@PutThatMoneyOnTheTable&lt;/a&gt;&amp;nbsp;wrote:&lt;BR /&gt;&lt;P&gt;I have learnt a lot and is still learning from the valuable information this forum has.&lt;/P&gt;&lt;P&gt;Read earlier about interest rate reduction so I decided to give it a try and got my APR reduced to 19.24% with Bank of America.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Got offered a cash reward (card that i already have) and business card too (I don't have a business). But no new credit for me, so I politely declined.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Side note the CSR asked if I knew I had over $100 in points that can be redeemed........&lt;img id="smileyvery-happy" class="emoticon emoticon-smileyvery-happy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-very-happy.gif" alt="Smiley Very Happy" title="Smiley Very Happy" /&gt;:smileyvery-happy DUH&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;Strong work!&lt;/P&gt;</description>
    <pubDate>Wed, 25 Sep 2019 23:15:28 GMT</pubDate>
    <dc:creator>Medic981</dc:creator>
    <dc:date>2019-09-25T23:15:28Z</dc:date>
    <item>
      <title>BOA APR Reduction</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/BOA-APR-Reduction/m-p/5754326#M1669449</link>
      <description>&lt;P&gt;I have learnt a lot and is still learning from the valuable information this forum has.&lt;/P&gt;&lt;P&gt;Read earlier about interest rate reduction so I decided to give it a try and got my APR reduced to 19.24% with Bank of America.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Got offered a cash reward (card that i already have) and business card too (I don't have a business). But no new credit for me, so I politely declined.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Side note the CSR asked if I knew I had over $100 in points that can be redeemed........&lt;img id="smileyvery-happy" class="emoticon emoticon-smileyvery-happy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-very-happy.gif" alt="Smiley Very Happy" title="Smiley Very Happy" /&gt;:smileyvery-happy DUH&lt;/P&gt;</description>
      <pubDate>Wed, 25 Sep 2019 19:12:12 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/BOA-APR-Reduction/m-p/5754326#M1669449</guid>
      <dc:creator>PutThatMoneyOnTheTable</dc:creator>
      <dc:date>2019-09-25T19:12:12Z</dc:date>
    </item>
    <item>
      <title>Re: BOA APR Reduction</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/BOA-APR-Reduction/m-p/5754646#M1669512</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/1079833"&gt;@PutThatMoneyOnTheTable&lt;/a&gt;&amp;nbsp;wrote:&lt;BR /&gt;&lt;P&gt;I have learnt a lot and is still learning from the valuable information this forum has.&lt;/P&gt;&lt;P&gt;Read earlier about interest rate reduction so I decided to give it a try and got my APR reduced to 19.24% with Bank of America.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Got offered a cash reward (card that i already have) and business card too (I don't have a business). But no new credit for me, so I politely declined.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Side note the CSR asked if I knew I had over $100 in points that can be redeemed........&lt;img id="smileyvery-happy" class="emoticon emoticon-smileyvery-happy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-very-happy.gif" alt="Smiley Very Happy" title="Smiley Very Happy" /&gt;:smileyvery-happy DUH&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;Strong work!&lt;/P&gt;</description>
      <pubDate>Wed, 25 Sep 2019 23:15:28 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/BOA-APR-Reduction/m-p/5754646#M1669512</guid>
      <dc:creator>Medic981</dc:creator>
      <dc:date>2019-09-25T23:15:28Z</dc:date>
    </item>
    <item>
      <title>Re: BOA APR Reduction</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/BOA-APR-Reduction/m-p/5754857#M1669538</link>
      <description>Very Nice&lt;img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /&gt;</description>
      <pubDate>Thu, 26 Sep 2019 02:30:10 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/BOA-APR-Reduction/m-p/5754857#M1669538</guid>
      <dc:creator>AverageJoesCredit</dc:creator>
      <dc:date>2019-09-26T02:30:10Z</dc:date>
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