How to get lower APRs?

[skigirl916]

I'm on a mission to lower my APRs.

How can I do this?  Contact CSRs and EOs?

[FinStar]

This will depend on a number of factors and the lender.

[skigirl916]

---

@FinStar wrote:
This will depend on a number of factors and the lender.

---

Obviously.  The same is true for everything credit related.

I'm asking how.  Procedurally, how. 

[FinStar]

Again, depends on the lender. Some may be able to do it via CSR route, some you may need to go through an account manager or credit analyst and for others you would likely need to contact their EO. And, just like anything credit related, YEMV. Not all lenders will be able to be that flexible and lower it.

[Anonymous]

---

@FinStar wrote:
Again, depends on the lender. Some may be able to do it via CSR route, some you may need to go through an account manager or credit analyst and for others you would likely need to contact their EO. And, just like anything credit related, YEMV. Not all lenders will be able to be that flexible and lower it.

---

+1

[SunriseEarth]

---

@FinStar wrote:
Again, depends on the lender. Some may be able to do it via CSR route, some you may need to go through an account manager or credit analyst and for others you would likely need to contact their EO. And, just like anything credit related, YEMV. Not all lenders will be able to be that flexible and lower it.

---

+1.   Start with front-end CSRs and work your way up, if necessary.   Some lenders may accomodate and some might not, but there's no harm in asking.  

[takeshi74]

Also depends on your credit.  It needs to support the lowered APR based on the specific creditor's criteria.

[chalupaman]

I think it all depends on a bunch of factors and whether you're able to get in contact with the right person. For Citi, I had to go all the way to call the EO and have them reduce my APR on that card. Amex reviews accounts every six months to see if they can reduce the APR.