@Yasselife Just an FYI....I was able to obtain an APR reduction with my Citi DC about a year ago. I just called and asked if I was eligible. Dropped from 16.99% to 14.24%.....I think the lowest is 13.99% offered on that card, so not too shabby. No HP required for APR reduction.
On Deck: Possibly Aven 3% Visa