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Cap 1 APR Reduction

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 😉
Sept 18: EQ: 578 TU: 583 EX: 576
Sept 19: EQ8: 640 TU8: 645 EX8:640 April 20': EQ8: ??? TU8: 680 EX8: 673
Goal by Sept 20’ EQ: 700 TU: 700 EX:700


Goal: Auto Lease 2020 Jeep MOAB
Goal: Chase Sapphire Preferred
Goals Achieved Nov 19’: First Chase CC, Marriott Bonvoy w/ lowest APR rate of 17% April 20': First Citi CC W/ 15% APR rate Total CL:$21,400
Message 1 of 4
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
Community Leader
Mega 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
Community Leader
Senior Contributor

Re: Cap 1 APR Reduction

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

Discover It: 19.7k
Amex ED: 18k
Citi DC: 7.7k
Best Buy Visa: 3k
Once you go Berner, you never go back.
Message 4 of 4
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