@Anonymous wrote:I have gotten it down to 6.15% APR from 11.49% on my Citi Dividend card.
Although the product is not in market anymore.
I did not have same luck with Bank of America, Chase and Wells Fargo.
They refused to lower it.
BOA will reduce APRs, but you will likely need to speak with a senior analyst to make it happen. For them, I think DTI and credit seeking have a lot to do with it. A few years ago I was able to get down from low 20s to upper teens on my Travel Rewards card with scores in 820s-830s. I have found it amusing that they'll trust me with $99,900 in revolving limits but not a 14.99% APR. 
It works! I just got an APR reduction via live chat. Thanks @Anonymous!
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