topic Re: Boa APR reduction in Credit Cards

Boa APR reduction

Anonymous — Sun, 28 Oct 2012 02:16:49 GMT

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% . 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

Re: Boa APR reduction

Epcot — Sun, 28 Oct 2012 02:19:20 GMT

Wow.. that's great, Congrats!

Re: Boa APR reduction

trumpet-205 — Sun, 28 Oct 2012 02:25:44 GMT

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

Re: Boa APR reduction

mxp114 — Sun, 28 Oct 2012 05:03:13 GMT

Do they HP for APR?

Re: Boa APR reduction

trumpet-205 — Sun, 28 Oct 2012 21:14:26 GMT

Not for me.

Re: Boa APR reduction

Anonymous — Sun, 28 Oct 2012 21:21:32 GMT

No alert so far.

Re: Boa APR reduction

culture — Fri, 15 Mar 2013 01:25:29 GMT

i guess im a bad negotiator...

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

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

maybe I did something wrong

Re: Boa APR reduction

ObeyJohnny12 — Fri, 15 Mar 2013 01:29:31 GMT

Wow, good for you! How long you had the card?

Re: Boa APR reduction

HiLine — Fri, 15 Mar 2013 01:31:09 GMT

Congratulations! Were you carrying a balance on the card?

Re: Boa APR reduction

culture — Fri, 15 Mar 2013 01:41:46 GMT

@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 ..

Re: Boa APR reduction

HiLine — Fri, 15 Mar 2013 01:43:49 GMT

@culture wrote:
@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 ..

Is that usage after the payment or before, if you don't mind me asking again?

Re: Boa APR reduction

culture — Fri, 15 Mar 2013 01:52:02 GMT

Is that usage after the payment or before, if you don't mind me asking again?

after payment .... without the payment usage will be ~29-30%

Re: Boa APR reduction

HiLine — Fri, 15 Mar 2013 01:54:35 GMT

@culture wrote:

Is that usage after the payment or before, if you don't mind me asking again?

after payment .... without the payment usage will be ~29-30%

Thanks for sharing! That's great to know - I'm currently carrying a balance in an interest waiver promotional period. I may leverage this opportunity to ask for an APR reduction as well!