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

[Anonymous]

AJC, those are the results of many years of long hard work 😓😉, especially proud of that 5114!

[UncleB]

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@Anonymous wrote:
@CreditCuriosity Sure, 800 950 5114. sounded the same when I called, but i mentioned chat referred me to call this number and speak with the Account Specialist Team.

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FWIW this is the same number chat always refers me to call... for some reason chat can't do anything with my account.

On the other hand, I found the rep at the phone number fairly empowered... she was able to PC my Diamond Preferred to a Double Cash and get me a lower APR all in the same call. 

She did have to put me on hold for the APR reduction, though, so I suspect she was having to get another CSR to actually handle that part.

[CreditCuriosity]

Thanks bud.. That dept has alot more power than chat although was transferred to senior account specialist.  I put 10k through card last year that is a decent amount considering i have 20+ cards lol and not my main non-cat card even that goes to penfed pcr.

Got the interest rate down by 5% and she encouraged me to call back in a month and get it lowered more.  Seems like a retention dept sort of as well, but regardless made me a bit happier and will be calling next month and getting hopefully another drop in APR.  Very helpful people vs. chat.

I would never carry a balance on this card, but with excellent credit is a pure principle thing to me.  They also offered me a BT, but don't need one esp at a 3% fee where i have 0% options for that

[Anonymous]

@CreditCuriosity Awesome job! Totally agree with you. Why wait a month, LOL. Look at BBS, back-to-back success.

[Anonymous]

Jumping on the band wagon here.

I chatted with a rep and was able to lower my (then) Double Cash down from 16.49% to 14.24%. About 2 months ago it was at 24.24%.

Also decided to convert my Double Cash to the Dividend Card. Wasn't being used so may as well get come category cash back when I can. Drug Stores this quarter sure will be nice

[Anonymous]

Did they do the apr change before or after? I see Dividend advertised down to 12.99 (Valpen)

[credit_endurance]

Thanks for the tips. Just called into the number floating around and was able to reduce my double cash apr from 22.74 to 18.49. Had the card almost 3 years now the least they could do.😁 Can’t get another card from them to save my life. btw these seem to be (permanent) reductions unlike the temp ones they had been offering in the past.

[Anonymous]

Glad to see that others are pulling the trigger on Citi APR reductions!

What is the Dividend card?  I've never heard of it.

[M_Smart007]

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@Anonymous wrote:

Glad to see that others are pulling the trigger on Citi APR reductions!

What is the Dividend card?  I've never heard of it.

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https://www.citi.com/credit-cards/credit-cards-citi/citi.action?ID=dividend-quarterly-offer

[Anonymous]

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@Anonymous wrote:
Did they do the apr change before or after? I see Dividend advertised down to 12.99 (Valpen)

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I chatted with them before hand because it takes weeks for the card to "convert" and you accept the terms before they will entertain any lowering of your APR.