Walmart APR reduction denied!

[Jerry45]

I have the Wally MC with a 5 figure limit, and their 23% APR is just brutal. Tried the Chat and Credit Solutions, but denied on the reduction both times.

Have had  the card 3 years now.

Thought I would try Chase next, do they ever budge on APR reduction?

[Loquat]

I don't Synchrony negotiates APR at all.  They are what they are.  I can't think of any of their cards where carrying a balance is ever worth doing...not unless you're on some 0% promo.

[Jerry45]

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@Loquat wrote:

I don't Synchrony negotiates APR at all.  They are what they are.  I can't think of any of their cards where carrying a balance is ever worth doing...not unless you're on some 0% promo.

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True. At this point it is good for utility only

[dragontears]

Never heard of synch lowering a cards apr

[dragontears]

And chase normally doesn't either (but there are a very few reports of them lowering it)

[Anonymous]

Yeah I sure could use a rate reduction with Wally also...

[AverageJoesCredit]

Youd have better luck getting getting Sams to have CostCo over for dinner

[dlm0820]

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@Jerry45 wrote:

I have the Wally MC with a 5 figure limit, and their 23% APR is just brutal. Tried the Chat and Credit Solutions, but denied on the reduction both times.

Have had  the card 3 years now.

Thought I would try Chase next, do they ever budge on APR reduction?

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APR shouldn't matter if you are using the card the right way.

[Anonymous]

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@dlm0820 wrote:

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@Jerry45 wrote:

I have the Wally MC with a 5 figure limit, and their 23% APR is just brutal. Tried the Chat and Credit Solutions, but denied on the reduction both times.

Have had  the card 3 years now.

Thought I would try Chase next, do they ever budge on APR reduction?

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APR shouldn't matter if you are using the card the right way.

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Could you explain using the card right....I need help eith that..thanks!!

[dlm0820]

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@Anonymous wrote:

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@dlm0820 wrote:

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@Jerry45 wrote:

I have the Wally MC with a 5 figure limit, and their 23% APR is just brutal. Tried the Chat and Credit Solutions, but denied on the reduction both times.

Have had  the card 3 years now.

Thought I would try Chase next, do they ever budge on APR reduction?

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APR shouldn't matter if you are using the card the right way.

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Could you explain using the card right....I need help eith that..thanks!!

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If you use your cards the way they were intended to be used, then APR could be 1000% and it wouldn't matter.