Citi DC APR dropping? - myFICO® Forums - 5968865

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

Discover It: 26.5k
Amex Cash Magnet: 24.4k
Fidelity Visa: 21.5k
Apple Card: 13k
CapOne Venture X: 10k

Message 1 of 17

16 REPLIES 16

@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

@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

@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
Amex Cash Magnet: 24.4k
Fidelity Visa: 21.5k
Apple Card: 13k
CapOne Venture X: 10k

Message 4 of 17

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 | Barclay7k | Citi Strata+ 13,600 | Citi Double Cash 23,800 | Citi Simplicity 10,000 | PNC Core VISA 22,500 | USAA AMEX 13,000 | Truiest 4,500 | Truiest Rewards 4,500 | Citi Custom Cash 16,600 | GS Apple 7,500 | Chase Sapphire Preferred 24,000 | Fico 8 Scores EQ=837 | EX=823 | TU=826scores and CL current as of 011/14/25 AAoA years 24 months | AoOA=18yrs

Message 5 of 17

**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 | Barclay7k | Citi Strata+ 13,600 | Citi Double Cash 23,800 | Citi Simplicity 10,000 | PNC Core VISA 22,500 | USAA AMEX 13,000 | Truiest 4,500 | Truiest Rewards 4,500 | Citi Custom Cash 16,600 | GS Apple 7,500 | Chase Sapphire Preferred 24,000 | Fico 8 Scores EQ=837 | EX=823 | TU=826scores and CL current as of 011/14/25 AAoA years 24 months | AoOA=18yrs

Message 6 of 17

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

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Message 7 of 17

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

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

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

Amex Hilton Surpass $20,000 prime+17.49%

Amex Delta Gold $20,000 prime+14.49%

Amex Blue Business Plus $30,000 prime+12.99%

Amex Blue Business Cash $10,000 prime+17.99%

BofA Customized Cash VSig $20,000 prime+12.99%

BofA Unlimited Cash VSig $20,000 prime+12.99%

Barclays Wyndham Earner VSig $22,800 prime+11.99%

Cap1 Quicksilver WEMC $10,000 prime+14.74%

Cap1 Savor WEMC $10,000 prime+20.99%

Chase Freedom Flex WEMC $10,000 prime+17.49%

Chase Freedom Flex WEMC $10,000 prime+17.49%

Chase Freedom Unlimited VSig $10,000 prime+17.74%

Chase Sapphire Reserve VInf $10,000 prime+12.74%

Chase Amazon Prime VSig $10,000 prime+17.74%

Chase Ink Unlimited VSig $10,000 prime+9.99%

Chase Ink Cash VSig $5,000 prime+9.99%

Citi DoubleCash WEMC $10,000 prime+16.24%

Citi Custom Cash WEMC $5,000 prime+12.74%

Citi Custom Cash WEMC $11,200 prime+12.74%

GoldmanSachs Apple MC $2,700 prime+12.74%

SoFi WEMC $6,500 prime+12.74%

Synchrony Verizon VSig $15,000 prime+18.49%

Message 10 of 17