When should I request a lower APR?

[Anonymous]

I'll have had my Discover Chrome card a year in July, Amazon Store card will be 8 months and barclays Uber will be 2 months(all based off July) All cards have the 25-27% rate. I always PIF except the first large Amazon promo purchase I got the card for.

All it takes is being in good favor, and a little time, with the lender to be eligible for this sort of thing right?

If it matters, TU Fico 8 was 630ish when I got the Discover card. it's now 705 as of the new Discover Scorecard

[AverageJoesCredit]

Amazon is Sync and you wont be able to lower that apr.

Discover will lower apr upon request , possibly every 6 months but especially after 1 year. Give them a call and see if there is an offer to lower your apr. Good luck

[joltdude]

Discover will lower your APR.. but you might have to wait ....

Are you on a promo offer? 

Its very likely youll be able to request one in Jul/Aug... theres something about having the card at least a year and or not on a 0% offer to request the first APR reduction.....

Other than that.. you can do it every 6 months...

Don't think Sync will..

Barclays sometimes does.. but you can sometimes turn a barclays APR reduction into a SP CLI....

-J