Sallie Mae APR question

[Anonymous]

9.99 here as well.  Approved at the lowest apr 13.99.  No auto CLI at 6 months.  Called for apr reduction.. mostly trying to get CLI and got reduction to 9.99 and SP CLI from 5k to 7k.

[takeshi74]

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@Anonymous wrote:

I'm trying to think back but has anyone had success lowering their APR below the 13.99% (guess it is 14.24% now)?

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There are already other data points above -- some lower but I'm at 12.99.

[Anonymous]

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@Anonymous wrote:

I'm trying to think back but has anyone had success lowering their APR below the 13.99% (guess it is 14.24% now)?  Planning on calling tomorrow for the APR/CLI routine and was curious if others have had it lowered below their 'lowest' rate.

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Mine is still showing at 13.99, Have some been increased?

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

I'm trying to think back but has anyone had success lowering their APR below the 13.99% (guess it is 14.24% now)?  Planning on calling tomorrow for the APR/CLI routine and was curious if others have had it lowered below their 'lowest' rate.

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Mine is still showing at 13.99, Have some been increased?

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No, it' still at 13.99%   Figured they would have raised the rate by now but apparently not

[CreditCuriosity]

Call today?

[Anonymous]

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@CreditCuriousity wrote:

Call today?

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Not yet.  Got tied up with few things.  I'll call in a bit.

[Themanwhocan]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

I'm trying to think back but has anyone had success lowering their APR below the 13.99% (guess it is 14.24% now)?  Planning on calling tomorrow for the APR/CLI routine and was curious if others have had it lowered below their 'lowest' rate.

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Mine is still showing at 13.99, Have some been increased?

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No, it' still at 13.99%   Figured they would have raised the rate by now but apparently not

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Can they still raise the rate if the card is less than a year old, if the reason is the prime rate went up?

[CreditCuriosity]

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@Themanwhocan wrote:

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

I'm trying to think back but has anyone had success lowering their APR below the 13.99% (guess it is 14.24% now)?  Planning on calling tomorrow for the APR/CLI routine and was curious if others have had it lowered below their 'lowest' rate.

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Mine is still showing at 13.99, Have some been increased?

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No, it' still at 13.99%   Figured they would have raised the rate by now but apparently not

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Can they still raise the rate if the card is less than a year old, if the reason is the prime rate went up?

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It is 13.99+Prime.  So they can't change the 13.99, but obviously prime changes that impacts the APR.  Is that your question?

Side note lets hope for one or tow more hikes this coming year in 2016.  Be lucky if we see one.  Not great for people that carry balances, but good for the economy IMO.

[Anonymous]

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@Themanwhocan wrote:

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

I'm trying to think back but has anyone had success lowering their APR below the 13.99% (guess it is 14.24% now)?  Planning on calling tomorrow for the APR/CLI routine and was curious if others have had it lowered below their 'lowest' rate.

---

Mine is still showing at 13.99, Have some been increased?

---

No, it' still at 13.99%   Figured they would have raised the rate by now but apparently not

---

Can they still raise the rate if the card is less than a year old, if the reason is the prime rate went up?

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Yup, Chase did it to Humuhumhumu.. for her Hyatt card before she even received the card.

[CreditCuriosity]

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@Anonymous wrote:

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@Themanwhocan wrote:

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

I'm trying to think back but has anyone had success lowering their APR below the 13.99% (guess it is 14.24% now)?  Planning on calling tomorrow for the APR/CLI routine and was curious if others have had it lowered below their 'lowest' rate.

---

Mine is still showing at 13.99, Have some been increased?

---

No, it' still at 13.99%   Figured they would have raised the rate by now but apparently not

---

Can they still raise the rate if the card is less than a year old, if the reason is the prime rate went up?

---

Yup, Chase did it to Humuhumhumu.. for her Hyatt card before she even received the card.

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The only portion that changed was prime, not the actual APR of the card though.  CC issuers can't control prime