While I can’t pay my debts down any faster than I’m already doing I decided to get reduced APRs.
I sent a message through the app on Discover. Five minutes went past and I went to Citi Bank app. I sent a similar message to Citi and they responded immediately (one minute) with No. my current APR is 16.74 and they stated that was the lowest. Back to Discover after 12 minutes a rep responded with 19.99% for future or 0% for the year. I don’t have any major purchases so ofcourse I went with the 19.99%. I had 21.74% before.
Account with Citi Bank almost 8 years
account with discover Almost 6 years