Requesting a lower APR%

[TheFate]

When calling backdoor numbers to request a lower APR% does that require a HP if typically they require a HP for a CLI?

[kevinjjc]

It's a SP for APR reductions.

[RushXTC]

I've never had an HP for an APR reduction.

[TheFate]

Ok thanks!

What do you guys typically say when you're requesting it?

"Hello, I've been an excellent customer with you for 2 years and I would like to see if I can possibly get an APR reduction on my account?"

[Membersince2013]

Which backdoor number do you call to be considered for an APR reduction? Recon?

[heyarrnold]

For what CC are you requesting a lower APR?

[-NewGuy-]

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@TheFate wrote:

Ok thanks!

What do you guys typically say when you're requesting it?

"Hello, I've been an excellent customer with you for 2 years and I would like to see if I can possibly get an APR reduction on my account?"

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Sounds about right. Mention your on time payment history, the fact that your credit score has continued to grow, card usage, etc. Assuming all those are true of course. 

[BungalowMo]

I call several of my cards every 6-8 months & ask for some Luv.  Either CLI, APR drop, or both...all with NO HP.

Sometimes I hit the jackpot, other times I hit a brick wall.  But unless you ask every now & then...the answer will always be no.

Last week, I got a lower apr on my Citi Diamond from 18 to 11 until December, then I can PC to a rewards card.  She then gave me a $50 credit to my acct.  Couldn't get the CLI without a HP, but she at least threw me a bone & I hung up happy!