cancel
Showing results for 
Search instead for 
Did you mean: 

Citi AAdvantage APR redux and data points

tag
Anonymous
Not applicable

Citi AAdvantage APR redux and data points

My Citi Aadvantage World Elite Mastercard is now two months old, and during a 5 week period, I was able to get the APR reduced from 18.24% down to 13.49%, in a series of three requests. Excited!

 

Many thanks to ihcole for posting his success in doing so. I would have had no idea it was possible to reduce the APR on a new card until I noticed his post.

 

I chatted online with reps on three separate occasions during a 5 week period and was successful each in time reducing the APR down to 13.49%. This rate is below the lowest published rate for the card, and the most recent rep I spoke with encouraged me to check back for a further reduction!

 

I do have a prior card with Citi in good standing, the Double Cash card that is now about 10 months old. I think there is something specific to the AAdvantage card relative to this rapid APR redux, as I have never seen it with another card before.

 

My spend on the card for the first two months has been about $3,200 ($3,000 was required to meet spend and I added a bit extra to ensure I met spend). I paid in full on the card each month.

 

I'm not certain that Citi had a lengthy enough period to evaluate my spend and payment behavior before granting the APR redux requests, so I can't say for certain which factors were involved.

 

Your mileage may vary, but I wanted to share that this is possible in hope that it helps someone. It is a great card and I have been very pleased with Citi!

 

 

 

 

 

Screen Shot 2016-06-28 at 12.39.21 PM.png

 

Screen Shot 2016-06-28 at 12.38.31 PM.png

Message 1 of 25
24 REPLIES 24
Anonymous
Not applicable

Re: Citi AAdvantage APR redux and data points

Congrats.  That is quite a bit of interest reduction in just 5 weeks. Makes you wonder why they just didn't give you that rate to begin with :-)

Message 2 of 25
Anonymous
Not applicable

Re: Citi AAdvantage APR redux and data points


@Anonymous wrote:

Congrats.  That is quite a bit of interest reduction in just 5 weeks. Makes you wonder why they just didn't give you that rate to begin with :-)


Thanks, Irish! I don't understand their reasoning, either.

 

ihcole did it in several steps (in a very short period of time) and I thought I might just give it a go after seeing his example. I never expected them to respond affirmatively! Smiley Happy

Message 3 of 25
ddemari
Super Contributor

Re: Citi AAdvantage APR redux and data points

Congrats! Nice to see you getting some great outcomes!
Message 4 of 25
Anonymous
Not applicable

Re: Citi AAdvantage APR redux and data points


@ddemari wrote:
Congrats! Nice to see you getting some great outcomes!

Thanks d, you are always encouraging and helpful! I've learned a lot from you Smiley Happy

Message 5 of 25
Anonymous
Not applicable

Re: Citi AAdvantage APR redux and data points

Outstanding! Nothing better than APR reduction!

Message 6 of 25
Anonymous
Not applicable

Re: Citi AAdvantage APR redux and data points


@Anonymous wrote:

Outstanding! Nothing better than APR reduction!


Thank you, musiclover! I am definitely enjoying the APR reduction! Smiley Happy

Message 7 of 25
Anonymous
Not applicable

Re: Citi AAdvantage APR redux and data points

Nice Job hum! APR reductions are just as good as CLIs!! Smiley Wink

Message 8 of 25
Anonymous
Not applicable

Re: Citi AAdvantage APR redux and data points


@Anonymous wrote:

Nice Job hum! APR reductions are just as good as CLIs!! Smiley Wink


Thanks, dasingleton! I completely agree that they are very helpful! Smiley Happy

Message 9 of 25
Anonymous
Not applicable

Re: Citi AAdvantage APR redux and data points

Also wanted to mention that I believe scoreorbescored reporting getting an APR around 10% on this card- so there is hope for the card to go below published APR rates.

 

I don't think most of us will get it that low - I'd be happy just getting it down to 12% if possible! Smiley Happy

Message 10 of 25
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.