Re: UPDATE: 4th Citi APR reduction, 4 days in a ro... - Page 10 - myFICO® Forums - 3896965

myFICO® Forums

Get Access Now

SM yesterday (on iPad) went from 21.99 to 19.99. Chat today from 19.99 to 16.99. Let's see how tomorrow goes! Thanks for this post, I had no idea citi was so good to work with on APR reductions!

If anyone needs me I will be In The Garden. Goal Score: 760 for all in 2015.

Current FICO Scores EX: 715 EQ: 756 TU: 762
Last APP April 21, 2015.
Victim of The great AMEX HP heist of Dec 1st, 2nd and 3rd of 2014.

Message 91 of 122

I hope this doesnt get so abused that it raises a red flag in their review DB/reports at the end of the month.

(possible?)

Message 92 of 122

Anything is possible.

If anyone needs me I will be In The Garden. Goal Score: 760 for all in 2015.

Current FICO Scores EX: 715 EQ: 756 TU: 762
Last APP April 21, 2015.
Victim of The great AMEX HP heist of Dec 1st, 2nd and 3rd of 2014.

Message 93 of 122

@Kenny wrote:
@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...
I think you're wrongly assuming people are doing this to carry balances. I know that I'm not.

^^ This

I am all about getting the best terms possible.

ETA: Lower APRs have also equalled barganing power for me.

Message 94 of 122

Congrats on your Continuing success.....lol.... great to hear anytime someone is getting breaks on apr.

Only direct Citi I have is Simplicity and over 2 yrs. have always got the same answer you did concerning lowering it's rates.

Can't lower Simlplicity cause it doesn't have any penalties blah,blah....

CHASE FREEDOM VS

AMEX BLUE CASH PREFERRED

NAVY FED PLATINUM VS

UPGRADE TRIPLE REWARDS VS

MACY'S PLATINUM AMEX

MY BESTBUY VISA

CITI CUSTOM CASH WEMC

NAVY FED MORE REWARDS AMEX

AMEX BLUE EVERYDAY PREFERRED

SAM'S CLUB WEMC

Message 95 of 122

Did you go five-for-five? What's the word? When did the streak finally end?

Message 96 of 122

@Anonymous wrote:
Did you go five-for-five? What's the word? When did the streak finally end?

Tried for 5th and was told 13.24% was lowest they could go.

I will try again in a month or few months.

P.S. I'm eligible for SP CLI on Double Cash tomorrow. Credit is fun!

Message 97 of 122

Too bad. I really thought you were gonna go single digit on us.

Message 98 of 122

@Anonymous wrote:
Too bad. I really thought you were gonna go single digit on us.

I'll send them a SM now

Message 99 of 122

@lhcole77 wrote:
@Anonymous wrote:
Too bad. I really thought you were gonna go single digit on us.
I'll send them a SM now

You're an inspiration.. Keep up the good fight!

I got denied for both of my cards when I tried via chat the other day. Might try back tomorrow or Tuesday lol.

800+ across all three (via FAKOs) has been achieved! Current goal - Get down to 6 cards in total - sitting with 8 currently.

Message 100 of 122