Citi Premier APR Lowered! 21.99% --> 14.99%

[regional_ryan]

Hey Y'all,

A few weeks ago I got approved for the Citi Premier card. I received it today and after activation, I decided to hop on chat and ask for a lower APR as there have been many DP of Citi granting these APR requests. Now, I am the type of person to always PIF but I like seeing a low APR number on my accounts LOL.

I was initially approved at 21.99%. After my first chat session, the rep lowered it nearly 6 points to 16.24%. A couple of hours later I tried again and the rep lowered it to 14.99% which is 1% below advertised. I think I might be warming up to Citi! 

A few initial thoughts on Citi Bank. Their CS reps are very courteous and resourceful. I like their online dashboard but it could use a refresh. It's definitely not up to par with Chase/Amex/Disco. Also, though I will be using this card mostly for everyday transactions, it's still sad to see that Citi has removed benefits like price rewind and the travel protections. Still, the Premier is a decent earner and will likely stay in my wallet for at least a few years until I downgrade it. 

[MyFault]

Congrats on your APR reduction!

[Credit4Growth]

Wowser!   That rate was slashed...👍

Congratulations on the resuction!

[cashorcharge]

Nicely done and good to hear about your success. 

[M_Smart007]

Grats on the APR reduction

[Credit4Growth]

Kudos on your part for making the call (chat) on the day of activation.

Being approved for such a drastic rate reduction I am finding it hard to understand why they initially issue the CC with a rate of 21.99%.   Uhhh,  hello Citi... are you trying to get away with all that you can?

[Anonymous]

Congratulations on your APR reduction.

Keep trying and trying. You might get it down to 0% and then ask them to keep it there for 18 months lol.  Just kidding. 

[AllZero]

Congratulations on your APR reduction!

[blindambition]

Congrats on the reduction!! Under what public APR range lists is a real win. 👍🏻 

[OmarGB9]

Congrats!