What is the best way to ask for an APR reduction?

[crunching_numbers]

What is the best thing to say?

Are people more successful with a balance or without one?

For the people who have been successful, any advice?

FYI, it is a Barclays Barnes and Noble World Mastercard.  When my DH was paying the bills, I think he was a couple days late, and he said they told him to ask after FEB. Now I have taken the bills back over and want the best results possible.

[Creditaddict]

What is your current APR?

What is current Balance and Credit Line.

[crunching_numbers]

Thing is, I just app'd for a 0% DM and got it with BT. As it stands at this very moment, Bal=$5881 CL=14300.  I asked for a $5000 BT, which would bring them to $881.

APR is 28.24%.

[Anonymous]

as long as your overall util is healthy, sure try a csr for a apr reduction after the next statement after the BT posts.

try something like I would like to use your card more but the APRs on my other card from x is y %.

[Anonymous]

Well I have never asked, but the one time I did received a lower APR, Capital One called me and told me that I could lower it

[scottwagnon]

i hate to say this but i had a barclays BN mc and i asked a dozen times and they never once offered to lower it or give me a promo. thats part of why i closed this card. good luck though.

[LS2982]

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@Anonymous wrote:

as long as your overall util is healthy, sure try a csr for a apr reduction after the next statement after the BT posts.

try something like I would like to use your card more but the APRs on my other card from x is y %.

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+1

[littlesister]

I called amex for the past few weeks and each time I did get a apr reduction. I have a zero balance also.

  I then went to citi and was also just as lucky. I received two in less then two weeks. I jsut told them I am a good customer, always pay on time, never been close to my limit, and most importantly, they are my go to cards.

      Oh ya, I sent a secure message to citi the first time and the second time I called.

[scottwagnon]

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@littlesister wrote:

I called amex for the past few weeks and each time I did get a apr reduction. I have a zero balance also.

  I then went to citi and was also just as lucky. I received two in less then two weeks. I jsut told them I am a good customer, always pay on time, never been close to my limit, and most importantly, they are my go to cards.

      Oh ya, I sent a secure message to citi the first time and the second time I called.

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wow. ditto. funny how things work out for people simultaneously.

[crunching_numbers]

UPDATE:

I called Barclays today. They lowered my rate from 28.24% to 26.24%.  Two percent is not much, but it IS something. I consider the call to be a success.