No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
how does the extra 3% work? i'm still on my promo period with the matching so i dont know if they'd let me do anything til thats ended.
When you start with apr as high as yours was, you usually get a drastic reduction like that.
Most of us who started up there, got that initial reduction pretty easily.
Your next APR reduction will not be 5%-6%. Reduction rate slows down as your current APR normalizes.
Another way to look at it is, it's not low now, it was too high before. May sound like semantics but it's not.