Asking for APR reduction...who are the creditors that don't require a hard pull?

[irunfromcredit]

Greetings all!!  Since I'm in the midst of home hunting, I am not in the market to ask for any more credit...but I can definitely look at reducing some of APRs on a few cards.  I know Discover and AMEX don't require a hard pull to ask for an APR reduction..but I am looking to ask NFCU, Penfed, and Huntington for APR reductions.  Do they require a hard pull to ask?  Thanks in advance for any insight!!!  

**i should also add, what about BofA?  I did get one APR reduction with them, but can't remember if it was a hard pull or not.

[Anonymous]

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@irunfromcredit wrote:

Greetings all!!  Since I'm in the midst of home hunting, I am not in the market to ask for any more credit...but I can definitely look at reducing some of APRs on a few cards.  I know Discover and AMEX don't require a hard pull to ask for an APR reduction..but I am looking to ask NFCU, Penfed, and Huntington for APR reductions.  Do they require a hard pull to ask?  Thanks in advance for any insight!!!  

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I can only answer for NFCU.  It's not a HP but you can only ask for an APR reduction after the card is a year old and then can ask every year after.

[irunfromcredit]

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@Anonymous wrote:

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@irunfromcredit wrote:

Greetings all!!  Since I'm in the midst of home hunting, I am not in the market to ask for any more credit...but I can definitely look at reducing some of APRs on a few cards.  I know Discover and AMEX don't require a hard pull to ask for an APR reduction..but I am looking to ask NFCU, Penfed, and Huntington for APR reductions.  Do they require a hard pull to ask?  Thanks in advance for any insight!!!  

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I can only answer for NFCU.  It's not a HP but you can only ask for an APR reduction after the card is a year old and then can ask every year after.

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Awesome!  Thank you.  I have one card turning a year old in a couple of weeks.  

[newhis]

Yes, you can call BofA and get your APR down, no HP.

I was able to get the APR down 6 points after calling 2 times. The 3rd time they told me that's the lowest I can get, still 1 or 2% above the minimum they advertise.