@Anonymouspoint of information ... many of us that have Citi Bank Credit Cards have been able to obtain Apr reductions over time. Unlike other lenders, Discover and Citi have been pretty good about reductions. In fact, some of us used to get reductions below the lowest posted Apr. Right now my Discover's Apr is lower than the posted rate and I even get Discover BTs at a rate and fee less than the market and most posts showing on MyFico! 