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Citi DC APR dropping?

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pinkandgrey
Senior Contributor

Citi DC APR dropping?

Has anyone else been seeing the APR on the DC keep going down? Every statement or two it goes down. 

Discover It: 26.5k
Fidelity Visa: 21.5k
Amex Cash Magnet: 20k
Apple Card: 9k
Message 1 of 17
16 REPLIES 16
M_Smart007
Legendary Contributor

Re: Citi DC APR dropping?


@pinkandgrey wrote:

Has anyone else been seeing the APR on the DC keep going down? Every statement or two it goes down. 


Mine currently is at 14.24% on both DC cards.

Message 2 of 17
AverageJoesCredit
Legendary Contributor

Re: Citi DC APR dropping?


@M_Smart007 wrote:

@pinkandgrey wrote:

Has anyone else been seeing the APR on the DC keep going down? Every statement or two it goes down. 


Mine currently is at 14.24% on both DC cards.


I tried hitting the request an increase button on your post but couldnt do so🤭

Message 3 of 17
pinkandgrey
Senior Contributor

Re: Citi DC APR dropping?


@M_Smart007 wrote:

@pinkandgrey wrote:

Has anyone else been seeing the APR on the DC keep going down? Every statement or two it goes down. 


Mine currently is at 14.24% on both DC cards.


I'll take some of your limit if that works for you. 

Discover It: 26.5k
Fidelity Visa: 21.5k
Amex Cash Magnet: 20k
Apple Card: 9k
Message 4 of 17
SFLSpotter9210
Valued Contributor

Re: Citi DC APR dropping?

They sent me a reduction offer to 5.9% apr on purchases until I believe October. I deferred cause all my purchases have been put on NFCU 

NFCU Flagship 32,500 | Penfed PowerCash 8,750 | PENFED GOLD 12,500 | PenFed PL 20,000 | NFCU AMEX Rewards 37,500 | NFCU GoRewards 7,000 | FNBO VISA SIGNATURE 13,700 | Capital One Quicksilver 6,300 | Lowe’s 34,500 | Wells Fargo Propel 19,700 | Barclay1k | Citi premier+ 13,600 | Citi Double Cash 18,800 | Citi Simplicity 10,000 | PNC Core VISA 22,500 | USAA AMEX 13,000 | citi custom cash 11,600 | BB&T Rewards 4,500 | BB&T Bright Card 4,500 | GS Apple 7,500 | Chevron 2,500 | Fico 8 Scores EQ=848 | EX=799 | TU=830scores and CL current as of 03/16/25 AAoA years 24 months | AoOA=18yrs
Message 5 of 17
SFLSpotter9210
Valued Contributor

Re: Citi DC APR dropping?

**bleep** Citi give it to him already. I did it too and it sent me this🤔😳😜 AJC. 

NFCU Flagship 32,500 | Penfed PowerCash 8,750 | PENFED GOLD 12,500 | PenFed PL 20,000 | NFCU AMEX Rewards 37,500 | NFCU GoRewards 7,000 | FNBO VISA SIGNATURE 13,700 | Capital One Quicksilver 6,300 | Lowe’s 34,500 | Wells Fargo Propel 19,700 | Barclay1k | Citi premier+ 13,600 | Citi Double Cash 18,800 | Citi Simplicity 10,000 | PNC Core VISA 22,500 | USAA AMEX 13,000 | citi custom cash 11,600 | BB&T Rewards 4,500 | BB&T Bright Card 4,500 | GS Apple 7,500 | Chevron 2,500 | Fico 8 Scores EQ=848 | EX=799 | TU=830scores and CL current as of 03/16/25 AAoA years 24 months | AoOA=18yrs
Message 6 of 17
Artemis092
Regular Contributor

Re: Citi DC APR dropping?

I am just now noticing it. Last time I looked it was 20%+........now it is 17.99%. I don't keep a balance so I never pay interest but that's definitely good to know. Thanks for the heads up.

If you build it, they will come.




Amex BCE | Amex ED | BofA Rewards | Capital One SavorOne | Citibank DC | CitiBank Best Buy | Discover IT | Chase Amazon Prime | Chase Freedom | Wells Fargo Platinum
Message 7 of 17
imaximous
Valued Contributor

Re: Citi DC APR dropping?

Every card seems to be dropping. DC is now at 12.99%. Still too high to carry a balance but there’s a 0% BT offer I could use if needed. Hope not🤞🏻
Message 8 of 17
dragontears
Senior Contributor

Re: Citi DC APR dropping?

Are these changes due to the change in the prime rate? Or are they actually changing the margin on your account? 

Message 9 of 17
MrDisco99
Valued Contributor

Re: Citi DC APR dropping?

The Fed has been cutting the funds rate which is pegged to prime.  Your adjustable CC APRs will go up and down with that.

Message 10 of 17
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