topic Re: BoA massive APR reduction! in Credit Cards

BoA massive APR reduction!

Happychap — Sat, 04 Jan 2014 12:50:28 GMT

So currently in garden so thought id do my rounds and get Apr reductions even though I usually pay off balance it kinda helps my aping fix😉... BoA privileges was 18.99 they reduced to 9.99 the lowest they offer. Citi Prestige was 20.99 (never knew why it was so high to begin with) reduced to 14.9 slightly lower from what they offer. No HP'was a very simple process that was done straight away.

Re: BoA massive APR reduction!

Swapmeet — Sat, 04 Jan 2014 13:31:12 GMT

congrats bro....

Re: BoA massive APR reduction!

lg8302ch — Sat, 04 Jan 2014 13:36:15 GMT

Congrats! I tried this mission last year on my BofA travel and cash reward cards and to my surprise also got 9.99% their prime rate.... feels nice ..This is why I will continue my mission in fall with my other lenders to see who will budge to lower APR for me... The biggest experiment will be Chase with 22,99% and from what I heard they will not even consider but that will not prevent me from asking..LOL

Re: BoA massive APR reduction!

Happychap — Sat, 04 Jan 2014 13:44:49 GMT

Yes it feels nice kinda like a app spree😜..didn't know chase doesn't do apr reductions. That's good to know! maybe like you I will ask anyway😛

Re: BoA massive APR reduction!

ibmrad7 — Sat, 04 Jan 2014 13:56:51 GMT

Congrats

Did you just call the regular CS number on back of the card?

Re: BoA massive APR reduction!

Anonymous — Sat, 04 Jan 2014 14:03:48 GMT

Nice, interested to know on who to call as well. CS or back fo the card as ibmrad7 says

Re: BoA massive APR reduction!

Happychap — Sat, 04 Jan 2014 14:08:57 GMT

@Anonymous wrote:
Nice, interested to know on who to call as well. CS or back fo the card as ibmrad7 says

I called the number on the back of my card. She saw I had another card too with BoA and also saw the balances of my none BoA cards and offered 0% balance transfers. I turned it down since ht balance I have on my Duck card is 0% already.

Re: BoA massive APR reduction!

FinStar — Sat, 04 Jan 2014 14:24:58 GMT

@Happychap wrote:
Yes it feels nice kinda like a app spree😜..didn't know chase doesn't do apr reductions. That's good to know! maybe like you I will ask anyway😛

Nicely done OP...good APR reduction spread. Unfortunately, Chase will not reduce APR. You can call them though.

Re: BoA massive APR reduction!

coldnmn — Sat, 04 Jan 2014 15:03:09 GMT

Congrats! Thanks for sharing.

Re: BoA massive APR reduction!

RushXTC — Sat, 04 Jan 2014 15:50:09 GMT

@Happychap wrote:
So currently in garden so thought id do my rounds and get Apr reductions even though I usually pay off balance it kinda helps my aping fix😉... BoA privileges was 18.99 they reduced to 9.99 the lowest they offer. Citi Prestige was 20.99 (never knew why it was so high to begin with) reduced to 14.9 slightly lower from what they offer. No HP'was a very simple process that was done straight away.

Wow! I might have to call them... Anyways they've never done an HP for my APR reductions either.

I've got it down from the highest 21% Cash rewards to 16/17% (Can't remember)

Re: BoA massive APR reduction!

FinStar — Sat, 04 Jan 2014 15:57:28 GMT

@RushXTC wrote:
@Happychap wrote:
So currently in garden so thought id do my rounds and get Apr reductions even though I usually pay off balance it kinda helps my aping fix😉... BoA privileges was 18.99 they reduced to 9.99 the lowest they offer. Citi Prestige was 20.99 (never knew why it was so high to begin with) reduced to 14.9 slightly lower from what they offer. No HP'was a very simple process that was done straight away.
Wow! I might have to call them... Anyways they've never done an HP for my APR reductions either.

I've got it down from the highest 21% Cash rewards to 16/17% (Can't remember)

Looks like it's time to call them again! Good luck.

Re: BoA massive APR reduction!

B335is — Sat, 04 Jan 2014 19:56:41 GMT

Congrats OP, I've read BoA is pretty good about lowering APR.

Re: BoA massive APR reduction!

Anonymous — Sat, 04 Jan 2014 20:42:44 GMT

Nicely done! I may give some thought to doing that myself. Congrats!!!

Re: BoA massive APR reduction!

FinStar — Sat, 04 Jan 2014 20:48:59 GMT

@Anonymous wrote:
Nicely done! I may give some thought to doing that myself. Congrats!!!

I think that would be a wise choice tinuviel. How long have you had your BOA alumni CC?

Re: BoA massive APR reduction!

Anonymous — Sat, 04 Jan 2014 20:50:40 GMT

@FinStar wrote:
@Anonymous wrote:
Nicely done! I may give some thought to doing that myself. Congrats!!!
I think that would be a wise choice tinuviel. How long have you had your BOA alumni CC?

Since Aug 2012, so it's been over a year. I've been very happy with it.

Re: BoA massive APR reduction!

FinStar — Sat, 04 Jan 2014 20:53:55 GMT

@Anonymous wrote:
@FinStar wrote:
@Anonymous wrote:
Nicely done! I may give some thought to doing that myself. Congrats!!!
I think that would be a wise choice tinuviel. How long have you had your BOA alumni CC?
Since Aug 2012, so it's been over a year. I've been very happy with it.

It's time then. Go for it. If you've had a great history with the account I can't see any reason that they wouldn't lower it. Wish you luck on that and let us know the outcome!

Re: BoA massive APR reduction!

FocusedAndDetermined — Sat, 04 Jan 2014 20:57:00 GMT

WTG - congrats!

Re: BoA massive APR reduction!

Anonymous — Sat, 04 Jan 2014 20:58:48 GMT

Nice! Thanks for the info, it might come in handy some day!

Re: BoA massive APR reduction!

Anonymous — Sat, 04 Jan 2014 21:11:01 GMT

@FinStar wrote:
@Anonymous wrote:
@FinStar wrote:
@Anonymous wrote:
Nicely done! I may give some thought to doing that myself. Congrats!!!
I think that would be a wise choice tinuviel. How long have you had your BOA alumni CC?
Since Aug 2012, so it's been over a year. I've been very happy with it.
It's time then. Go for it. If you've had a great history with the account I can't see any reason that they wouldn't lower it. Wish you luck on that and let us know the outcome!

Yes, flawless history. I've used the card a lot and have always PIF and never late. I'll give them a call the beginning of the week and report back.

Re: BoA massive APR reduction!

FinStar — Sat, 04 Jan 2014 21:46:04 GMT

@Anonymous wrote:
@FinStar wrote:
@Anonymous wrote:
@FinStar wrote:
@Anonymous wrote:
Nicely done! I may give some thought to doing that myself. Congrats!!!
I think that would be a wise choice tinuviel. How long have you had your BOA alumni CC?
Since Aug 2012, so it's been over a year. I've been very happy with it.
It's time then. Go for it. If you've had a great history with the account I can't see any reason that they wouldn't lower it. Wish you luck on that and let us know the outcome!
Yes, flawless history. I've used the card a lot and have always PIF and never late. I'll give them a call the beginning of the week and report back.

Sounds like a good plan tinuviel!