Lower apr help

[someguy32]

I need some help on lowering my interest rate, My credit cards companies only lower them by 2 points so floating at 19% and 23% on the other what credit score is need to drop them to around 11%

[Revelate]

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@someguy32 wrote:

I need some help on lowering my interest rate, My credit cards companies only lower them by 2 points so floating at 19% and 23% on the other what credit score is need to drop them to around 11%

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Getting a different card frankly.

What are you trying to sort, paying off a balance faster or just generalized APR reduction?  First instance, typically I'd recommend a consolidation loan (though this means absolutely not running up the CC debt again) in the second one, if you're not carrying any balances, ain't no big thing.  Personally I just setup a PLOC that is at 10.5%, but there are some credit cards designed for balance carrying which are under 10% still; however, my credit doesn't support those currently really.

[takeshi74]

Just as with approvals, limits, CLI's, etc your credit profile plays a major role in determining what you qualify for.  If you aren't getting APR reductions as big as you want then your profile needs to improve more.  If you want recommendations then we need a better understanding of your credit profile.

it is never just about score.