Citi DC APR reduction: 25.74% --> 16.49%

[Anonymous]

I prequal for DC with the lowest possible, 15.xx% APR so maybe citi is relaxing it's intrest rates and will be easy for APR reductions.

[9CLINE]

My current Apr. on Citi DC is 15.24% and have a 3.99% promo expiring 7/1/19. 

Had originally started @12.99% & 18 mth 0%  4yrs. ago, due to interest rate increases it's up to current rate.

[frugal47374]

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@Anonymous wrote:

Those that have sub-15.74% APRs it would be great to hear from you and possibly any details as to how you arrived at that [relatively] low rate.

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I'm at 15.24%.  I got my card November 2014.  I had 15 months of 0% during which I paid the minimum.  (I don't know how much I charged but I normally get pretty close to the credit limit on 0% deals.)

After that I always pay in full on the due date.

I've never asked for a rate decrease (since I PIF, the rate doesn't really concern me) but I have asked for CLIs several times (and been given some without asking) since this tends to be my primary card except for 5% bonus times or 0% deals with other cards.

[Anonymous]

I wonder if how old the account is plays into how low the APR will go?

[BH1985]

Congrats, BBS.

I did the same thing and got mine down from 20.74 to 16.49 with three reductions over three consecutive days right after receiving my card.

[pizza1]

BBS, thats great! A very nice reduction indeed!

[Anonymous]

Same situation here, they gave me $3.7k SL and 15.24% APR while my file was very thin 11 months ago.

[Anonymous]

What was your bankcard eight score at that time? I assume they used EQ?

[Anonymous]

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@Anonymous wrote:
I wonder if how old the account is plays into how low the APR will go?

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My account hits 2 years in age in a couple of weeks just for a data point on that.  Those with sub-15% APRs, it would be cool to hear how long you've had your DC account if you haven't mentioned it already.

In a couple of weeks when I hit 2 years of age on the account I'll try again for an APR reduction and if I get one perhaps I'll have identified a Citi APR reduction age threshold! 

[Anonymous]

Well after couple tries with chat having no luck, I called the “account specialist team” and after being told that my 18.24% was as low as it goes on this card right now, I explained I know the card goes lower. So, she said she would check with her supervisor for an exception and put me on hold for a few and she came back with guess what? 16.49% !! LOL!!