UPDATE: 4th Citi APR reduction, 4 days in a row!!

[CreditCuriosity]

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@lg8302ch wrote:

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@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.

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They budged for me QS from 16,9% to 12,9%...wonder how low you can get on a QS but assume that is about it..

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I am lower than that, but a pc..

[Aarvard]

My Citi Forward is eligible for APR reduction 0.25% quarterly, up to a maximum reduction of 2%, and I'm at 11.99% right now.

[lhcole77]

This is unreal! Another reduction! Down to 13.24 now.

19.99 - 17.99 - 15.99 - 14.24 - 13.24%

I'll try again tomorrow!

[Anonymous]

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@lhcole77 wrote:

This is unreal! Another reduction! Down to 13.24 now.

19.99 - 17.99 - 15.99 - 14.24 - 13.24%

I'll try again tomorrow!

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Simply amazing.

AMEX won't back down off 14.24% on my BSP.

[Jarnog]

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@lhcole77 wrote:

This is unreal! Another reduction! Down to 13.24 now.

19.99 - 17.99 - 15.99 - 14.24 - 13.24%

I'll try again tomorrow!

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Very Nice!!

Inspired by you I tried via online chat for my DW AA card that she has had all of a week.  It was a horrid 22.99%.  The first chat was 3 days ago and they were able to go to 21.99 then he said he would "try again" and got it to 19.99. 

Just tried today (4/2) and the rep said -

The APR can be lower up to 17.99%

Kayden: at 13:07:30

That's the best offer we have as of now.

Kayden: at 13:07:43

I can place a request for that right away if you wish to accept the offer.

Suffice it to say I accepted . 

Should we charge something then try again?  Or just do like LH and just keep attempting?

[lg8302ch]

After reading your success with  the APR reduction I tried today with a little chat  just to see if I can get below the 13,24% on Double Cash. But the result was not what I wanted. APR reduction not available at this time but all the sudden my CL got increased by 2,2K and is now 19,2K... I hate so uneven figures. ... at least it was a SP only. 

[Anonymous]

Ask them to lower it to an even 19k

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@lg8302ch wrote:

After reading your success with  the APR reduction I tried today with a little chat  just to see if I can get below the 13,24% on Double Cash. But the result was not what I wanted. APR reduction not available at this time but all the sudden my CL got increased by 2,2K and is now 19,2K... I hate so uneven figures. ... at least it was a SP only. 

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[lhcole77]

Thanks, everyone! This has been a fun past few days. Who knew?

And congrats to all who have been able to reduce as well.

Mmmmkay?!?! YAY!

[Anonymous]

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@lhcole77 wrote:

Thanks, everyone! This has been a fun past few days. Who knew?

And congrats to all who have been able to reduce as well.

Mmmmkay?!?! YAY!

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Do it tomorrow as well.

Maybe you'll get 11.99%

[lg8302ch]

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@Anonymous wrote:

Ask them to lower it to an even 19k

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@lg8302ch wrote:

After reading your success with  the APR reduction I tried today with a little chat  just to see if I can get below the 13,24% on Double Cash. But the result was not what I wanted. APR reduction not available at this time but all the sudden my CL got increased by 2,2K and is now 19,2K... I hate so uneven figures. ... at least it was a SP only. 

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19K is still too uneven.... I like 5K, 10K, 15K, 20K, 25K .... maybe one day I get something like 20,1K and then I will for sure make it even if the lender can do it. ..BofA  was not capable ..