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

[Kenny]

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@lhcole77 wrote:

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@Kenny wrote:
Where do I look to get the chat feature?

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Ahh, I tried to find it but alas I didn't! lol.. after I posted i just waited and a pop up came up. Only eligible for one card to have a reduction at this point. Not sure why. Maybe because I don't use the cards at all. The one I've been using was eligible, go figure. lol

[Anonymous]

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@Anonymous wrote:

Chatted with agent and went from 17% to 14%. Thanks guys.

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Incredible!

[Anonymous]

IS this legal? I hope ppl dont get fired for this?

[wacdenney]

You guys know there are credit cards designed for carrying balances that start out with low APRs right.  With no need to call in asking over and over...

You are negating the benefits of your rewards cards by carrying a balance.  It's a waste of time working this hard to fit a square peg into a round hole.  Just get a round peg...

[Kostya1992]

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@wacdenney wrote:

You guys know there are credit cards designed for carrying balances that start out with low APRs right.  With no need to call in asking over and over...

You are negating the benefits of your rewards cards by carrying a balance.  It's a waste of time working this hard to fit a square peg into a round hole.  Just get a round peg...

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If someone offered you a Citi DC with a $20,000 limit and a %5.99Variable APR you wouldn't take it?

[Anonymous]

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@Kostya1992 wrote:

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@wacdenney wrote:

You guys know there are credit cards designed for carrying balances that start out with low APRs right.  With no need to call in asking over and over...

You are negating the benefits of your rewards cards by carrying a balance.  It's a waste of time working this hard to fit a square peg into a round hole.  Just get a round peg...

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If someone offered you a Citi DC with a $20,000 limit and a %5.99Variable APR you wouldn't take it?

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I'd take it and then ask for 3.24% Fixed APR.

[Anonymous]

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@wacdenney wrote:

You guys know there are credit cards designed for carrying balances that start out with low APRs right.  With no need to call in asking over and over...

You are negating the benefits of your rewards cards by carrying a balance.  It's a waste of time working this hard to fit a square peg into a round hole.  Just get a round peg...

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I'm not and don't carry a balance but why not ask for a reduction if possible?

[wacdenney]

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@Kostya1992 wrote:

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@wacdenney wrote:

You guys know there are credit cards designed for carrying balances that start out with low APRs right.  With no need to call in asking over and over...

You are negating the benefits of your rewards cards by carrying a balance.  It's a waste of time working this hard to fit a square peg into a round hole.  Just get a round peg...

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If someone offered you a Citi DC with a $20,000 limit and a %5.99Variable APR you wouldn't take it?

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Yes.

[wacdenney]

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@Anonymous wrote:

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@wacdenney wrote:

You guys know there are credit cards designed for carrying balances that start out with low APRs right.  With no need to call in asking over and over...

You are negating the benefits of your rewards cards by carrying a balance.  It's a waste of time working this hard to fit a square peg into a round hole.  Just get a round peg...

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I'm not and don't carry a balance but why not ask for a reduction if possible?

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This line of reasoning doesn't make any sense.  You could just as easily apply your idea to anything.  Why not ask for a rock if recieving a rock is possible?  If you ask, someone is likely to give you a rock.  I don't expend time and energy asking for rocks I don't have any use for.

Even if it's a World Elite Rock...  I still don't need a rock!

There are tons of things in life that are possible that I don't spend time trying to acquire.

I've been told before by people that it makes them feel good to get a lower APR on rewards cards, but this thread is 7 pages long with many participants.  Is it really all just feel good stuffs??  I just don't get it.  I have 2 cards that I know the APRs on.  The rest are rewards cards and I have no idea what the APRs are because it doesn't matter what they are.

[Anonymous]

I still want Prime - .01