Citi DoubleCash APR Reductions x4 Update 3/1

[JamP]

Success again...

Dwayne: at 21:58:42
J, I have great new for you.
Dwayne: at 21:59:28
I can reduce your account have APR up to prime rate + 10.99 = 14.74% variable.
Dwayne: at 21:59:45
Would you like to activate this APR on your account?
J: at 21:59:54
Definitely, Thank you.

This card started at almost 22%. Amazing.

So try for one more or wait a while lol that is the question.

[K-in-Boston]

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@JamP wrote:

So try for one more or wait a while lol that is the question.

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Congrats! Did it go down 2% the last time or just 1%? 13.99% is the current lowest published for that card, so there's a chance! I know that some here have been able to get to single digits, but not sure if those were even somewhat recent.

I forgot to mention... one of those times I did the 2% reduction, I got something like:

I have a great news for you with today three offers. 

1.) I can reduce your account have APR up to prime rate + 11.99 = 15.74% variable.

2.) I can reduce your account have APR up to prime rate + 11.49 = 15.24% variable.

3.) I can reduce your account have APR up to prime rate + 10.99 = 14.74% variable.

Which would you like?

I thought that one was a bit odd, like someone would purposely choose a higher APR?

[j615]

OP, thanks for sharing.

I just went from 16.49 to 14.74 via online chat. My card was only opened since mid January 2017. 

[JamP]

Starting to think 14.74 might be the lowest they are going to let us go for right now but I may try again tomorrow or in a few days.

I too thought it was weird why would someone choose a higher APR.

[pip3man]

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@JamP wrote:

Starting to think 14.74 might be the lowest they are going to let us go for right now but I may try again tomorrow or in a few days.

I too thought it was weird why would someone choose a higher APR.

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14.74% isn't the absolute lowest that they can go. Here's a screenshot of mine and for anyone wondering I got all the reductions via chat. The card started out with the highest APR. I think 3.99% is the lowest cos it was my APR at some point but a combination of the prime rate hike and other unexplained factors has my card at what it is now.

[Anonymous]

I have that stupid promo offer going at 6.99% until March 6, 2017. Will attempt to lower my abysmal 23.99% APR to 15%! Thanks for this thread.

[Anonymous]

Quick update: Tried initiating a chat message with the Citi folks to see whether I qualify for a lower APR %. After multiple attempts, my APR remained at an abysmal 23.99%. Good luck for those who can lower it!

[K-in-Boston]

I tried again since wife's account updated with a 780 (08 Bankcard) on Citi yesterday.  Stuck at 14.74% for now. Not really comlaining, though.  Sure it's 0.50% higher than it was a few months ago, but it would be 25.74% now.  So if someone is afraid of rejection, stopping the first time they offer you less than 2% seems to make sense.

Also, I am not sure if I mentioned before but she a promo going on for 5.9% on new purchases when we did the 25.24 - 14.24 reduction.

[Anonymous]

Geeze I haven't posted on this site in a while. I am glad that I read it. I lowered my Discover by 3% today. I have the citi chat window open now. I hope I get a reduction.

[Anonymous]

Well I went from 19.49 to 18.49. At least I got something! LOL