Ask
Cap1 is the only one that I keep asking. They just give you a temp reduction. At least in my case they do.
Good Luck!
Just call and ask. They will at least approve one if its available. Disco is good for the 12 month 0% and Cap1 gave me a reduction for set period.
Most banks have heard requests for a lower APR before and have figured out a way to make it work for everyone. Some banks only offer temporary reductions like Capitol One while others like Discover like to pre-approve a 12mo 0% offer for their reps to hand out like lollipops. It really depends on the bank and what they are willing to do for you. Most permanent reductions only happen as a part of a loss of employment along with negotiating a payment plan for a closed account but you never know what a Bank can pull out of their bag of tricks. I had Citi give me a temporary low APR without me asking for it not that I plan on using it. Lastly being nice and courteous works wonders. The reps hear demands, whining, and take a beating all day long so being easy to work with goes a long way for them to just want to help you out.
I just recently got a 2% APR reduction on my BoA card. Called the number on the card and just asked.
