Freedom auto APR decrease

Anonymous · ‎10-13-2015

I just checked this month's chase freedom statement and found this message: "IMPORTANT NOTICE: Your APR(s) were lowered" from 19.24 to 15.24. I'm totally geeked even though I haven't carried a balance on this card for about a year (I typically PIF). In May I took a hard pull for a CLI from $4400 to $10,000 but they refused to lower the APR at that time. Had to share my small win.

CreditCuriosity · ‎10-13-2015

@Anonymous wrote:
I just checked this month's chase freedom statement and found this message: "IMPORTANT NOTICE: Your APR(s) were lowered" from 19.24 to 15.24. I'm totally geeked even though I haven't carried a balance on this card for about a year (I typically PIF). In May I took a hard pull for a CLI from $4400 to $10,000 but they refused to lower the APR at that time. Had to share my small win.

Need proof please.. This is not really known to be chase, sure you weren't getting phished!

In all seriousness congrats, but Chase isn't known to lower APR for really well anyone. You are one of the lucky ones!

Anonymous · ‎10-13-2015

@CreditCuriousity wrote:
@Anonymous wrote:
I just checked this month's chase freedom statement and found this message: "IMPORTANT NOTICE: Your APR(s) were lowered" from 19.24 to 15.24. I'm totally geeked even though I haven't carried a balance on this card for about a year (I typically PIF). In May I took a hard pull for a CLI from $4400 to $10,000 but they refused to lower the APR at that time. Had to share my small win.
Need proof please.. This is not really known to be chase, sure you weren't getting phished!

In all seriousness congrats, but Chase isn't known to lower APR for really well anyone. You are one of the lucky ones!

haha...proof (I would like to see it too).

thelethargicage · ‎10-13-2015

Chase APR reductions are as rare as Bigfoot sightings.

dwz55 · ‎10-13-2015

Sounds about right, I took a hard pull to go from 1500$ to 4100$ then they gave me a random apr reduction 3 months later, finally they game me an auto increase to 9000$

TU 780 April 2014
EQ 797 May 2014
EX 786 May 2014

Anonymous · ‎10-13-2015

Thank god or whatever I didn't apply for Chase Freedom; since I don't have a long credit history I don't get the low end of the bargain. Hopefully, that will change when I apply for Chase Freedom on 10/12/2017.

So, where is the proof?

Anonymous · ‎10-13-2015

LOL. You aren't the only one who was skeptical. I read through the statement twice to make sure there wasn't a caveat somewhere. But sure enough there it was.

9CLINE · ‎10-13-2015

Awesome news... there's hope after all..........

OmarGB9 · ‎10-13-2015

That's a pretty awesome lol grats

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NRB525 · ‎10-13-2015

@Anonymous wrote:
I just checked this month's chase freedom statement and found this message: "IMPORTANT NOTICE: Your APR(s) were lowered" from 19.24 to 15.24. I'm totally geeked even though I haven't carried a balance on this card for about a year (I typically PIF). In May I took a hard pull for a CLI from $4400 to $10,000 but they refused to lower the APR at that time. Had to share my small win.

Congratulations!

Was there a change in your scores from the time you originally apped for the Freedom, and the day that they took the HP?

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