Hello All,
It's been a while but I wanted to share my experience when attempting an APR reduction with the ever difficult CHASE.
I've heard the numerous horror stories about calling Chase and how they simply don't do APR changes or reductions when solicited.
Still, I felt compelled to try my charm 
since it has worked with Barclay, Discover and Capital One.
RESULTS: NO REDUCTION but insight on when I could possibly receive one
Here's what happened:
I called a backdoor number( tried the credit analyst one).
I explained to the rep that I had receNtly PC'ed over from Slate to Freedom Unlimited but wanted an APR reduction so I could get better use out of the card for some larger purchases I planned to make and pay off over a few months. He kindly told me he'd be transferring me to customer service and in the future, I should call the number on the back of my card. (lol).
Once transferred to customer service, I verified my account details, then explained a similar story, with a little more charm. He thanked me "very much" for contacting them regarding my APR and went on to explain the following:
Accounts are reviewed for APR reduction periodically (he could see my account was up for review in August) and that they happen automatically. He made sure to inform me that there is no need to solicit them for an APR as they only happen during my periodic account reviews.
He did tell me about an option for a 0% APR balance transfer with onetime fee of 2% on my account until July 2017 that he could complete but the account itself would not have any APR changes until August, if available. I declined the BT and told him I'd wait for my review and hope for the best.
So much for trying! Hope this helps for anyone looking to lower their APRs with Chase. They don't budge!
@Courtyj725 wrote:Hello Justme3,
Capital One was superbly easy. I used the chat from the online account services to simply check to see if there were any APR reductions available. Though not a permanent one, I got my 17% down to 14% for 7 months. I also used chat for Discover to reduce my APR and was offered two options, a temporary reduction for a lower rate, or a permanent reduction for a moderate rate, that was still at least 6 points lower than my original. I chose the permanent one. I'd rather not risk ever going back up to the higher rate.
Chats are surprisingly easy ways to reduce APR and product change with Capital One and Discover.
Thanks! I knew Cap1 gave temporary reductions, but I thought maybe you got a permanent one - I was hoping they had changed their ways 
But congrats on all the reductions you did get!
I've heard the same, that they are very difficult with giving APR reductions. SO I probably will never bother.
@kdm31091 wrote:
Not to burst your bubble but IMO the "periodic account review" is nothing more than a spiel which they tell everyone who asks for a reduction. I've literally never heard of them actually reducing anyone's APR, be it by request or during "review". Suffice it to say the APR at the time of approval is the APR for the life of the account. It's not going down unless the prime rate does.
I agree with Kdm. I have a number of Chase cards, and not one of them has ever had an APR reduction. In recent years, I've received around 80k in credit from Chase alone, so they evidently do find me quite creditworthy otherwise. What is amusing to me is that my Chase Marriott and Chase Sapphire (formerly Preferred) have my lowest rates from the bank, and I received them when they were a single rate offering (15.24% back then). This is another area that Chase is extremely inflexible with, and the previous spiel was that customers should reapply for products they already have if they want lower rates (Slate, Freedom, Amazon). Of course, that's not so easy nor practical anymore due to their nonsensical 5/24. Even if you haven't hit it yet, it could pose a problem for future applications if you are reapplying for products you already have now.
