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

techno_geek

I did pretty much the same as you, Fahim - I started out six months ago with my HSBC mastercard at 18.9% APR with a £250 limit... had the limit raised to £500, then to £1500 last month, and bartered the APR down yesterday from 18.9 to 15.9%

It's better than nothing, and now I don't have to apply for a student Barclaycard and preserve my credit file!

Fahim_2

I did the same, started with £250 @ 18.9%, then after 6 month had it increased to £1250, then again in july, increased it to £2250 and lowered the APR down to 15.9%.

Just applied for a Halifax One 9.9%, lets see what limit i can get...

loulouloulou_2

Hi... i dont know if this helps, but apparently Sainsburys are doing a card now which is 5.9% for the life of the balance transfer - not a bad rate if you want to transfer alot of money.

Virgin Credit card upped my interest to a massive 24.9%!!!!!!!! i rang them and they lowered it back down - its shocking how they can justify that much money!!

Hope this helps :beer:

Fahim_2

M&S doing 3.9% for life of balance. That would be cheaper and the card looks great as well.

littlestar1981

I really want to do this as my Visa with the Halifax has now hit 22.9%, it's been live for 3-4 years. BUT, I wouldn't know what to say! If I cancel the card won't they expect me to have the 7k to pay there and then??

Scary!! Any advice?

skippy64

In the spirit of this thread I've just emailed Barclaycard requesting a reduction in APR ( from 21.9%) so as soon as I get a response I'll follow it up on here.

jimmyjim_uk

Egg Green Card - 15.9% to 5.9% LOB for my account balance at the time of requestany new purchases will be at 15.9%

mparter

CARD: Barclaycard Initial Visa Card

APR REQUEST DECLINED/APPROVED: Approved

FROM WHAT % TO WHAT %:

24.9% down to 14.9%

M_Thomson

Arch-Angel wrote:

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

This rate isn't for cash. I have 9.95% for purchases and 6.95% for balance transfers on my card. The cash rate is 21.95%.

Mr-T_16

CARD: Barclaycard Platinum

APR REQUEST DECLINED/APPROVED: Approved

FROM WHAT % TO WHAT %:

19.9% down to 12.9%

I received a letter from them saying I'd been upgraded to a Platinum card (from a Gold) and it included a couple of BT offers (a 0% for 6 months which I'll definitely be using), however my APR remained at the same rate. I emailed them saying why bother upgrading me if there's no benefits? I also told them that I had an Egg card that was 14.9%, however I'd be more inclined to use the Barclaycard if they offered me a decent rate.

Had a phone call about 4 days later offering me 12.9% so I was happy with that.