Citi Prestige APR 15.24%

youdontkillmoney · ‎08-08-2015

I'm thinking my Citi Prestige card APR of 15.24% is too high given my credit scores below.

Anyone have a lower APR than 15/24% (not introductory score for a fixed period)?

Anonymous · ‎08-08-2015

Yes. I recently got a reduction to 10.24% from 12.74% and 13.99% before that.

youdontkillmoney · ‎08-08-2015

@Anonymous wrote:
Yes. I recently got a reduction to 10.24% from 12.74% and 13.99% before that.

^^^^

Thanks, I think in 2017 (after mortgage app) I will ask for lower APRs for lines I think have too high of an APR given my FICOs; in addition to line increases as appropriate

Anonymous · ‎08-08-2015

@Anonymous wrote:
Yes. I recently got a reduction to 10.24% from 12.74% and 13.99% before that.

How long have you had the card?

Anonymous · ‎08-08-2015

About 19 months.

noobody · ‎08-08-2015

Citi is one of the easier lender to work with regards lower Apr, I lower my premier twice for total 3 click, and my account is not even 6 month old,and they also gave my 5K CLI along the way.

EX819 1HP|TU797 1HP| EQ(Fico8 BankCard)841

NRB525 · ‎08-08-2015

@Anonymous wrote:
Yes. I recently got a reduction to 10.24% from 12.74% and 13.99% before that.

On the Citi Prestige? I thought that one had the set 15.24% rate? I don't see where you could start at 13.99 unless it's the Premier?

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765

jsucool76 · ‎08-08-2015

thry could have had an older Prestige card, or converted to Prestige from the chairman card.

Anonymous · ‎08-08-2015

Nope. I just call and ask periodically.

Anonymous · ‎08-08-2015

Good luck getting it reduced, let us know the result.