APR Reduction Success

[Mellon]

Well I recently went on my first APR reduction spree

BOA CR- 20.99 tp 16.99

BOA BBR- 18.99 to 15.99

Discover- 22.99 to 20.00

NFCU CR- 15.15 to 11.65

Barclays MC- 24.99 to 23.99 

Nothing from Citi

Not bad.. never thought to ask until I read a few threads on this board... Thanks MyFico!!

[Anonymous]

🙆🙌🙆🙌🙆🙌🙆🙌 Congrat's !!!! 🙌🙆🙌🙆🙌🙆🙌🙆

[Focused10]

Great job!

[ddemari]

Nice job! It never hurts to ask! Even if u dont revolve, a low apr can make u use that card more incase you need to revolve.

[OmarGB9]

Nice drops! Especially on that BOA and NFCU.

[-Cain-]

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@Mellon wrote:

Well I recently went on my first APR reduction spree

BOA CR- 20.99 tp 16.99

BOA BBR- 18.99 to 15.99

Discover- 22.99 to 20.00

NFCU CR- 15.15 to 11.65

Barclays MC- 24.99 to 23.99 

Nothing from Citi

Not bad.. never thought to ask until I read a few threads on this board... Thanks MyFico!!

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Congratulations!!! Did your BofA reductions have to go through EO or was a regular CSR/analyst able to help you? I had no luck with the frontline reps, had to escalate to EO. Also, did discover offer you a choice between 0% for 12 months and the rate you got, or did they just offer you the lower rate? 

Overall, great job!!!

[MissMoni223]

Very NICE!!!

[SOGGIE]

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@ddemari wrote:
Nice job! It never hurts to ask! Even if u dont revolve, a low apr can make u use that card more incase you need to revolve.

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My very thoughts. Congrats on the APR reductions!

[Mellon]

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@-Cain- wrote:

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@Mellon wrote:

Well I recently went on my first APR reduction spree

BOA CR- 20.99 tp 16.99

BOA BBR- 18.99 to 15.99

Discover- 22.99 to 20.00

NFCU CR- 15.15 to 11.65

Barclays MC- 24.99 to 23.99 

Nothing from Citi

Not bad.. never thought to ask until I read a few threads on this board... Thanks MyFico!!

---

Congratulations!!! Did your BofA reductions have to go through EO or was a regular CSR/analyst able to help you? I had no luck with the frontline reps, had to escalate to EO. Also, did discover offer you a choice between 0% for 12 months and the rate you got, or did they just offer you the lower rate? 

Overall, great job!!!

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on Sunday I went throught the BOA chat and they told me I was eligible but I needed to speak with an analyst, so they gave me a number to call on Monday. The analyst that I spoke with spent all of 5 minutes, told me the rates and read the disclosures and I was done.

[-Cain-]

Awesome! Congrats again.