Negotiating interest and CL on various cards

[alovingmommyof3]

My interest rate is rather high on some cards.  Chase is 22% and I have Citi Hhonors for 15.24%.  The rest are:

Discover 18.99%

2 Citi Forwards 12.99%

Best Buy 18.99%

Old Navy 20.24%

Citi Dividend 19.99%

Amex 20.24%

My question is, do companies negotiate these rates?  Most of these cards are to a year old yet, so I don't know how much I can bargain.

My Best Buy, Discover, and Chase could use more CL.  Are Chase and Discover hard to negotiate CLs with?  I know Citi doesn't like to, Old Navy stopped liking to do so, and Best Buy hasn't liked doing so for a very long time.  Eventually I want to raise all my credit limits, but I am worried about the lowest ones for now. 

I may need to garden soon so that things stabilize.  Then I will want to expand because I have my eye on other chase cards.

My history with all these companies is good, and my scores are decent.

[Creditaddict]

---

@alovingmommyof3 wrote:

My interest rate is rather high on some cards.  Chase is 22% and I have Citi Hhonors for 15.24%.  The rest are:

Discover 18.99%

2 Citi Forwards 12.99%

Best Buy 18.99%

Old Navy 20.24%

Citi Dividend 19.99%

Amex 20.24%

My question is, do companies negotiate these rates?  Most of these cards are to a year old yet, so I don't know how much I can bargain.

My Best Buy, Discover, and Chase could use more CL.  Are Chase and Discover hard to negotiate CLs with?  I know Citi doesn't like to, Old Navy stopped liking to do so, and Best Buy hasn't liked doing so for a very long time.  Eventually I want to raise all my credit limits, but I am worried about the lowest ones for now. 

I may need to garden soon so that things stabilize.  Then I will want to expand because I have my eye on other chase cards.

My history with all these companies is good, and my scores are decent.

---

Store Cards almost NEVER decrease Credit Lines unless they are something like Nordstrom that has tiers.

Chase usually not, but worth a quick call.

I have seen lots of Discover decreases, many temporarily like 6 months but still worth a call.

Amex use to not sure now and probably over a year.

[llecs]

---

@Creditaddict wrote:

Store Cards almost NEVER decrease Credit Lines...

---

I wish my Macys, Bloomies, and Home Depot store card knew that.    Of course it doesn't help that I don't use them but once a year.

[alovingmommyof3]

---

@Creditaddict wrote:

---

@alovingmommyof3 wrote:

My interest rate is rather high on some cards.  Chase is 22% and I have Citi Hhonors for 15.24%.  The rest are:

Discover 18.99%

2 Citi Forwards 12.99%

Best Buy 18.99%

Old Navy 20.24%

Citi Dividend 19.99%

Amex 20.24%

My question is, do companies negotiate these rates?  Most of these cards are to a year old yet, so I don't know how much I can bargain.

My Best Buy, Discover, and Chase could use more CL.  Are Chase and Discover hard to negotiate CLs with?  I know Citi doesn't like to, Old Navy stopped liking to do so, and Best Buy hasn't liked doing so for a very long time.  Eventually I want to raise all my credit limits, but I am worried about the lowest ones for now. 

I may need to garden soon so that things stabilize.  Then I will want to expand because I have my eye on other chase cards.

My history with all these companies is good, and my scores are decent.

---

Store Cards almost NEVER decrease Credit Lines unless they are something like Nordstrom that has tiers.

Chase usually not, but worth a quick call.

I have seen lots of Discover decreases, many temporarily like 6 months but still worth a call.

Amex use to not sure now and probably over a year.

---

Oops, I did not state what I meant clearly. I want to decrease my interest rate, but increase my CL. Sorry for the confusion.

[Creditaddict]

---

@alovingmommyof3 wrote:

---

@Creditaddict wrote:

---

@alovingmommyof3 wrote:

My interest rate is rather high on some cards.  Chase is 22% and I have Citi Hhonors for 15.24%.  The rest are:

Discover 18.99%

2 Citi Forwards 12.99%

Best Buy 18.99%

Old Navy 20.24%

Citi Dividend 19.99%

Amex 20.24%

My question is, do companies negotiate these rates?  Most of these cards are to a year old yet, so I don't know how much I can bargain.

My Best Buy, Discover, and Chase could use more CL.  Are Chase and Discover hard to negotiate CLs with?  I know Citi doesn't like to, Old Navy stopped liking to do so, and Best Buy hasn't liked doing so for a very long time.  Eventually I want to raise all my credit limits, but I am worried about the lowest ones for now. 

I may need to garden soon so that things stabilize.  Then I will want to expand because I have my eye on other chase cards.

My history with all these companies is good, and my scores are decent.

---

Store Cards almost NEVER decrease Credit Lines unless they are something like Nordstrom that has tiers.

Chase usually not, but worth a quick call.

I have seen lots of Discover decreases, many temporarily like 6 months but still worth a call.

Amex use to not sure now and probably over a year.

---

Oops, I did not state what I meant clearly. I want to decrease my interest rate, but increase my CL. Sorry for the confusion.

---

oh sorry typo on my part... yes decrease interest.

I wish Macy's Bloomingdales would go back to the 16% for the Amex Card at least, store whatever... most store cards are that high these days so I don't really worry about it.

[alovingmommyof3]

So would it be difficult to negotiate interest for Chase, Discover, Citi (dividend), and Amex?

---

@Creditaddict wrote:

---

@alovingmommyof3 wrote:

---

@Creditaddict wrote:

---

@alovingmommyof3 wrote:

My interest rate is rather high on some cards.  Chase is 22% and I have Citi Hhonors for 15.24%.  The rest are:

Discover 18.99%

2 Citi Forwards 12.99%

Best Buy 18.99%

Old Navy 20.24%

Citi Dividend 19.99%

Amex 20.24%

My question is, do companies negotiate these rates?  Most of these cards are to a year old yet, so I don't know how much I can bargain.

My Best Buy, Discover, and Chase could use more CL.  Are Chase and Discover hard to negotiate CLs with?  I know Citi doesn't like to, Old Navy stopped liking to do so, and Best Buy hasn't liked doing so for a very long time.  Eventually I want to raise all my credit limits, but I am worried about the lowest ones for now. 

I may need to garden soon so that things stabilize.  Then I will want to expand because I have my eye on other chase cards.

My history with all these companies is good, and my scores are decent.

---

Store Cards almost NEVER decrease Credit Lines unless they are something like Nordstrom that has tiers.

Chase usually not, but worth a quick call.

I have seen lots of Discover decreases, many temporarily like 6 months but still worth a call.

Amex use to not sure now and probably over a year.

---

Oops, I did not state what I meant clearly. I want to decrease my interest rate, but increase my CL. Sorry for the confusion.

---

oh sorry typo on my part... yes decrease interest.

I wish Macy's Bloomingdales would go back to the 16% for the Amex Card at least, store whatever... most store cards are that high these days so I don't really worry about it.

---