Hey all, I decided to jump on the APR reduction bandwagon.
I started with Amex, who brought my 15.24% down to a comfortable 12.24%.
My next step was to call Bank of America. My TR card was at 16.99 while my BBR card was at 15.99. I explained to the rep what I was looking for, he transferred me to the retentions department. The rep there was able to lower my APR to 13.99. 3 full percent and below the variable rate that's offered on the website. Feeling hot, I asked about my BBR card.. she told me my card was already below their advertised rate, 11.99%! I told her that that's great with me! Confirmed that my 4 dollar monthly charge still qualifies me for the Quarterly bonus. Confirmed! Unfortunately she didn't have any spend bonus' available for me, and she couldn't move around my lines. Oh well, got what I called in for. I'm BoA's biggest cheerleader here, thought I'd share.
