Chase APR Reduction

[leoment]

in my experience, Chase is terrible with APR reductions.  I was approved for a Freedom card when I was 19 at an awful 23.24% rate, and now at 23 they still won't consider lowering it.

I KNOW if I app'ed for that card with my current profile I'd have close to if not the lowest APR rate available too :\  I've considered closing &re-opening, but I don't intend to EVER revolve a balance on this card so it's a moot point.

[takeshi74]

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@jlfce1 wrote:

I've read a lot on this website that Chase never reduces the APR.

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Be careful assuming statements based on anecdotal evidence as fact (i.e. always consider the source).  It's also commonly posted that USAA won't reduce APR's but they just dropped my cards by 1%.