@Amwar73mf if you are using your cards for emergencies, have you checked any of the local credit unions?
Their rates tend to be much lower, especially on vanilla platinum cards?
With major lenders, you might get a temp offer for 0% apr, or reduced apr, but those aren't permanent.
Even if Citi lowered your APR to Darrell lewis, it was still be high.
I'd check CUs if I were you.
