Lower APR Requests post your results here!!!!!

Kevin79_2

thought it would interesting to know how people's results were with requesting a lower APR from your current CC providers.

CARD: CITI STUDENT DIVIDEND MASTERCARD

APR REQUEST DECLINED/APPROVED: APPROVED

FROM WHAT % TO WHAT %:

A HORRIBLE 16.74% I BELIEVE TO A
HORRIBLE 13.74% BUT NONE THE LESS I WAS GIVEN
A LOWER RATE.

thepange

I wrote a letter to Barclaycard a few days ago to cancel my account with them.

I had my card for about 4 years, which I only used to pay a balance transfer off. Having made the final payment, i decided to cancel as I didnt want the temptation of the card sitting in the drawer, plus the APR for purchases was 19.9%.

Just off the phone from a lady in their Customer Loyalty dept who offered me an APR of 9.9% to keep the card open!

10% drop, not bad!

markiepat

Hello,
I emailed Barclaycard to ask for a reduction in rate from 19.9% due to being a long standing customer and un able to apply for flexi rate card.
They phoned this morning and said as I had been a customer for 10 years was entitled to rate reduction so now at 11.9% so it is worth asking!:T :T

BONJOEY

:eek: hi i have a capitalone card which was 29.9%
:eek: and a barclaycard 27.9%

i phoned up to close both accounts, this was the outcome,

BARCLAYCARD 17.9% much better 21.9% cash
CAPITAL ONE 15.9% and 12.6% balance transfer

considering my credit has improved so should my apr x:beer:

_Andy_

Virgin Flying Club / MBNA Amex

15.9% to 12.9%

BONJOEY

well done andy xxxx

RogerPJ

Lloyds TSB Advance card - 7.9% reduced to 5.9% for the life of the balance transfer and no fee either. An excellent result for a 5 minute phone call I thought!

Arch-Angel

Halifax Gold Card - dropped from 13.5% to 9.95% for both cash and BT.

Egg Green - No joy (tried twice now over the past 18 months - mind you they are changing rates up/down for different people so it might be worth trying again next month...)

Revex

I rang alliance and leicester credit card (mbna) yesterday to cancel. I said I wasnt happy with the 16.9% rate and the £12 late charge (my first error).

They refunded the £12 and reduced my rate to 7.9%.

Im a 20 year old student. So this rate is great I think.

markquinton

Barclaycard reduced from 14.9% to 11.9% because I wanted to transfer to the Simply card. Once our remortgage has been sorted I'm going to be applying for a standard low rate card tho, Barclays can stick it if thats all the drop they're willing to offer a long term customer of whom they've made plenty of interest!

Fahim_2

I called HSBC to lower the APR, and they lowered it. I am with them for over a year now. They lowered the APR from 18.9% to 15.9%. Better than nothing.