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Cap 1 APR Reduction

CivalV
Established Contributor

Cap 1 APR Reduction

I nervously called Cap 1 to check for an APR reduction. The rep put me on hold, came back and said we have an offer of 18.45% for 7 months. I said whatttt...

Cap One Rep: Ms will you accept this offer”
Me: Internally screaming H*** yeah
My real answer: “yes I accept the offer” 😂

Original APR 26.49%
Non-Permanent APR 18.45%

I’ll take it. Better than no offer..
Slow and steady, slow and steady 😉
Goal by June 2022: First Time Home Buyer

Goal Completed: Auto Lease 2020 Mazda CX-5 No Income Verification
The Line Up
Marriott Bonvoy: $5000 | Amazon Prime Now Sig: $2800 | CITI Costco: $5500 | CITI Double Cash: $6100 | Navy Rewards: $2400 | Amex Delta Plat: $1700 | Amex Hilton Honors: $1000 | Target Red Card: $2000 | Victoria Secret Gold: $1200 | HSN: $2500 | Overstock: $4250 | Kohls: $1500 | Capital One: $2750 | Capital One #2: $500
Penfed Personal Loan: $20K | NFCU Secured Loan: $285

Message 1 of 4
3 REPLIES 3
VoltronM
Senior Contributor

Re: Cap 1 APR Reduction

Congrats !!!!

 

 

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 2 of 4
AverageJoesCredit
Legendary Contributor

Re: Cap 1 APR Reduction

CongratsSmiley Happy you'd think for 3 pulls, Cap One would entertain full apr reductions but as you said better than nothingSmiley Wink
Message 3 of 4
pinkandgrey
Senior Contributor

Re: Cap 1 APR Reduction

Congrats! That’s about as close to generosity as Cap One will get. 

Discover It: 20k
Amex Cash Magnet: 18k
Fidelity Visa: 8k
Apple Card: 3k
Message 4 of 4
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