topic Re: APR Reduction Spree - Done! in Credit Cards

APR Reduction Spree - Done!

mnavas — Fri, 16 May 2014 04:54:19 GMT

My APR Reduction spree is now COMPLETED

As a reference for anyone trying to do this at some point, here are my results:

-AMEX Blue Cash Everyday ($6,900 CL):APPROVED >>>went from 19,99% to 13.99%

-Discover it ($5,000 CL): APPROVED >>>went from 14.99 to 10.24%

-Citi Thankyou Preferred World MC ($5,500 CL): APPROVED >>>went from 17.99% to 16.24%

-Chase Freedom Visa Siggy (5,700 CL): DECLINED>>>Account not eligible for APR reduction. It'll remain the same 18.99%

*Every single request was made either through the chat or by sending a message.

Re: APR Reduction Spree - Done!

MrCollector — Fri, 16 May 2014 05:51:00 GMT

Congrats! How long have you had the cards?

Re: APR Reduction Spree - Done!

Membersince2013 — Fri, 16 May 2014 14:46:34 GMT

@MrCollector wrote:
Congrats! How long have you had the cards?

I'd like to know this too!

Re: APR Reduction Spree - Done!

mnavas — Fri, 16 May 2014 15:03:58 GMT

@Membersince2013 wrote:
@MrCollector wrote:
Congrats! How long have you had the cards?
I'd like to know this too!

All my cards are slightly new. They're a year ish:

-Amex BCE >>>Opened in December 2012

-Discover it>>>Opened in November 2012

-Citi Thankyou Preferred World MC>>>Opened in March 2013

-Chase Freedom Visa Signature>>>Opened in April 2013

*My AAoA is 1 year and 10 months and my scores are in the range of 720-740

Re: APR Reduction Spree - Done!

ambivalent — Fri, 16 May 2014 15:15:04 GMT

That's awesome! Congrats on you APR reducts.

Re: APR Reduction Spree - Done!

Membersince2013 — Fri, 16 May 2014 15:18:25 GMT

@mnavas wrote:
@Membersince2013 wrote:
@MrCollector wrote:
Congrats! How long have you had the cards?
I'd like to know this too!
All my cards are slightly new. They're a year ish:

-Amex BCE >>>Opened in December 2012
-Discover it>>>Opened in November 2012
-Citi Thankyou Preferred World MC>>>Opened in March 2013
-Chase Freedom Visa Signature>>>Opened in April 2013

*My AAoA is 1 year and 10 months and my scores are in the range of 720-740

Awesome...I'm trying to get Discover to reduce my APR of 22.9% to something more generous.

Re: APR Reduction Spree - Done!

mnavas — Fri, 16 May 2014 15:27:42 GMT

@Membersince2013 wrote:
@mnavas wrote:
@Membersince2013 wrote:
@MrCollector wrote:
Congrats! How long have you had the cards?
I'd like to know this too!
All my cards are slightly new. They're a year ish:

-Amex BCE >>>Opened in December 2012
-Discover it>>>Opened in November 2012
-Citi Thankyou Preferred World MC>>>Opened in March 2013
-Chase Freedom Visa Signature>>>Opened in April 2013

*My AAoA is 1 year and 10 months and my scores are in the range of 720-740

Awesome...I'm trying to get Discover to reduce my APR of 22.9% to something more generous.

Try the Discover Online Chat on your account profile. You have nothing to lose. You can do it even if you're in the 0% intro APR and can ask for APR reductions every 6 months

Re: APR Reduction Spree - Done!

Anonymous — Fri, 16 May 2014 15:29:22 GMT

Congrats! You done guud...

Re: APR Reduction Spree - Done!

Kenny — Fri, 16 May 2014 17:14:43 GMT

Discover AGAIN told me I had the lowest rate offered at 10.99 that other people could be grandfathered in at a lower rate. Weird since you got to your 10.24 via chat this way. I know it's only 0.75% but it's just weird at this point. I asked for a promotional 6 month rate like always and there was no 0% this time, but 1.9%. I'll take it, for sure. I haven't carried a balance on my discover in a long time, so doesn't really matter. It's certainly very nice to know I have that rate locked in for 6 months though.

Congrats on all your successes!

Re: APR Reduction Spree - Done!

Anonymous — Fri, 16 May 2014 17:13:37 GMT

Way to go!

Re: APR Reduction Spree - Done!

MissMoni223 — Fri, 16 May 2014 18:05:55 GMT

GREAT job, that's one step closer to 0%!!!

Re: APR Reduction Spree - Done!

alvon123 — Sat, 17 May 2014 12:26:16 GMT

@mnavas wrote:
My APR Reduction spree is now COMPLETED

As a reference for anyone trying to do this at some point, here are my results:

-AMEX Blue Cash Everyday ($6,900 CL):APPROVED >>>went from 19,99% to 13.99%
-Discover it ($5,000 CL): APPROVED >>>went from 14.99 to 10.24%
-Citi Thankyou Preferred World MC ($5,500 CL): APPROVED >>>went from 17.99% to 16.24%
-Chase Freedom Visa Siggy (5,700 CL): DECLINED>>>Account not eligible for APR reduction. It'll remain the same 18.99%

*Every single request was made either through the chat or by sending a message.

congrats