Citi DC APR Reduction New Account

[Anonymous]

Hi All,

So I was just approved for the Citi DC card last week and just activated the card a couple of days ago and finally got around to setting up the app and my online login. I haven't made any purchases yet, but should be doing so later this week. I don't carry a balance and always pay in full but I like having low APRs on my cards while not as bad as my JetBlue card the APR I was approved for was a little high at 21.24%. So I used the chat feature and asked for an APR reduction and was granted one immediatley it went down to 19.74% so not a huge drop but a little dip. I wasn't expecting anything, but I was pleasantly surprised! Good start with citi so far and I plan on making this a daily driver in the future. Just thought I'd share this.

[Anonymous]

I have this card, and I'm currently getting 23.24%.  I'm thinking of asking for a rate reduction as well, as I have had this card for a year already.  Is your rate reduction permanent, or is it just for temporary amount of time?

[Anonymous]

It's a permanent reduction.

[CreditCuriosity]

Suprised they would lower it for you while on a 0 % apr that you should be on with the card usually card issuers can't do this while on 0% promo..

[Anonymous]

May I ask what you said to them? Was it as simple as "Would you lower my APR please?" ?

[Anonymous]

I don't believe I have the 0% APR offer becuase I got the $100 SUB. I may be wrong but I don't believe I have the 0% offer.

Also I did just ask "I was wondering if it would be possible to lower the APR on my card?" The person then said please wait while I review your request and then said he could lower it and if I would like to accept the lower APR.

[Anonymous]

I used the chat feature again to try and push my luck and I once again got my APR lowered! Now it's 17.74% not bad for just asking.

[Anonymous]

Keep going! I went from 24.49% on my aa platinum to 14.49% in a month using the chat feature.

[Anonymous]

I just asked to see if I could get a rate reduction, and this is what the Citi Chat rep said to me:  "I apologize to inform you that currently there are no offers available on the card to reduce the APR on your card."

I wonder if it's because I got a CLI yesterday.

[BlueSea]

I was able to get mine reduced from 25% to 20% a week ago. They said i could call in a few months for more. At first they offered me 2% down, but i asked for more. They checked my heavy usage and she talked to a supervisor and they gave me 5% down.