Chase APR% Reduction Promo

[simplynoir]

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@SoCalifornia wrote:

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@CreditCuriosity wrote:

@SoCalifornia BTW wasn't trying to take anything away from you btw with your offer as that certainly isnt a bad APR for a CC if one needs to carry a balance.  Kudos to you for a good apr relative to your cards.  As stated by @FinStar it will go back to the regular apr after the period.  Also as mentioned customers can't initiate and APR reduction.  I think I had my card 5 years before they offered my a permanent one without me asking and several others got it in the same time frame as well.  Just keep building your profile and depending on tons of factors APRs from existing lenders will decline or go up based on various factor and new lenders will certainly give you apr's that are lower in the future.  Credit with various lenders is unique to each lender and what they are willing to do or not do. 

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Nah, no worries.  I'm far enough long in my journey to know that it's all relative. I wouldn't have asked if I felt ashamed in any way. Loyalty and time yield better rewards, plain and simple. 

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Be loyal to a point because you never know what will happen in the future with banks. Be flexible, prepare accordingly and have a few backups just in case

[ChargedUp]

I had the 6.99% promo on my CFU earlier in the year, but I haven't heard anything as of recent.

[Anonymous]

Interesting ... I got 10.99% Apr November 1, 2019 through April 30, 2020. Got down in the mouth about it and then I realized my regular return to rate is only 16.99% (ONLY). Every one in this post is greater than 20%! Very informative.

Now to follow on @FinStar, I do not carry balances and would not benefit from the offer. On this account going back many many years it was 10.24% and Chase noticed me last year that in keeping with their posted rates for Chase credit cards I was adjusted up! Yeah, 10.24% to 16.99% or something like it.