Citi Double Cash question?

[Anonymous]

As mentioned on Thursdays post I was approved for cit double cash with a SL of $2,000 experian Was only pullled 680 score low due to a recent annoying medical collection(radiology) account. Anyways

-How does apr reduction work with apr after promo? If reduced is it a temporary 6 month reduction like capital one. (currently my DC apr is at 23.24%)?

-If I recieve a world master card can I get it upgraded to world elite master card?

Thank you very much

[Anonymous]

When they lower APR, it is not a temp thing, but does change with the Prime Rate. You should be getting the Elite...seems most recent approvals have been such.

[Anonymous]

Thank you MrPTato I confirmed that it was a elite first customer representative said "the double cash cards are all master cards only with the exception of the airline cards" I requested a cli from $2K - $8K under writer denied it no counter. Darn however she did confirmed that it is a "Elite MasterCard". How often are apr reductions granted?

[Anonymous]

Did you take s second HP for that attempted CLI?

[Anonymous]

To be honest I am not so sure yet because I have experian the legit site and they haven't emailed me usually it's automatic email I'll log on

[Anonymous]

Usually, they will ask your permission. Online, if you specify a dollar amount for the CLI. It's a HP

[Anonymous]

Yes your right she asked how much I said $8K I was sent to a underwriter denied and no counter. I logged onto my experian no inquiry only from thursday when I applied

[Anonymous]

Thinking that getting a lower APR on the DC may be difficult.

My promo APR just ended, called for a reduction and it was a no go.

Questioning the higer APR in comparison to my Premier and Aadvantage got them to look, but no go.  They did find an offer to lower the 

APR on my Aadvantage Plat select by two points.

Odd, lowered the APR on my lowest APR card and newest account, just two statement cuts.

Thinking that the DC just makes them little money so they do not like to lower the APR... Dunno.  

[Anonymous]

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@Anonymous wrote:

Thinking that getting a lower APR on the DC may be difficult.

My promo APR just ended, called for a reduction and it was a no go.

Questioning the higer APR in comparison to my Premier and Aadvantage got them to look, but no go.  They did find an offer to lower the 

APR on my Aadvantage Plat select by two points.

Odd, lowered the APR on my lowest APR card and newest account, just two statement cuts.

Thinking that the DC just makes them little money so they do not like to lower the APR... Dunno.  

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That makes sense to me. Hadn't really thought about it.

[Anonymous]

They double pulled me EQ/EX during application.  I took additional HP for increase and they pulled EQ on the extra.. might want to check there