@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:Inspired by this thread, I contacted Capital One about lowering my 22.99% APR (>750 TU for those who are wondering). He told me he can't and he didn't have a reason. Doesn't matter, PIF. But Capital One sure doesn't give me any reason to pull them out of the SD.
Should close the card immediately if they won't play.
I see why they don't like me. Pushed $493.xx for the bonus then SD the card. To make matters worse, I've been riding out the last $150 making minimum payments on a 0% APR.
Plus it's a $10,000 line to pad my util. If I were them, I'd cancel my account, but I'm profiting here. I'll probably leave it in the SD for the forseeable future. If they close it, so be it. If not, I'll pull it out when I travel internationally.
Good limit but atrocious APR on it.
I'm puzzled by that. I've always expected the two to be correlated. 
@lhcole77 wrote:
@ksantangelo23 wrote:Most lenders, including Citi, bottom out at 12.99%, give or take a fraction to one percent. The minimum is always in the generic credit card agreement.
EDIT: Yes, I was referring to most lenders
Gotcha.
I've been able to get reductions on cards below the published lowest rates. AMEX and BofA are examples.
Me too... BofA but the biggest shock was Arrival+ where I thought I had the lowest but was told no it is flexible ... I love that and sure will bother Barclays in the future again with my two other cards. I doubt the Arrival+ can get any lower but I am fully happy with that.
@corymcd88 wrote:My BoA Cash Rewards World Mastercard is 9,99% APR.
Yep ..same here for BBR and Travel rewards 
@Imperfectfuture wrote:
Anyone try this with the US Airways card?
I have tried but the rep could not process it as I had no transactions on the card yet. But this is the next card I will be working on in a couple of months. But Barclays was really generous and when I asked to lower US Airways gave me a nice reduction on Arrival+ down to 10,99% and I thought the 15,99% was lowest