Citi AA lowered my APR. All I had to do was ask.

Discuss anything related to interest rates & fees, like balance transfer offers, low rate cards, annual fees, etc.
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Iroquois
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Citi AA lowered my APR. All I had to do was ask.

Postby Iroquois » Wed Aug 17, 2011 9:28 am

A friend who also has a Citibank American Airlines card told me that Citi frequently has special interest rates and sometimes permanent rates that you can get if you merely call customer service and ask. I called and my APR was permanently dropped (pretty substantially too) in a very pleasant call with no application needed or call transferring involved.

I called back to speak to a different person in a different center to make sure that it had been explained correctly to me, and yes the rate reduction is "permanent" or should I say non promotional.

Too bad you have to call and that its not just given; perhaps it would have been given with the passage of time. That said, glad I called.

Pleasant experience.


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bisbicos
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Postby bisbicos » Wed Aug 17, 2011 5:27 pm

what was your rate prior to the call? And after? Also did you call Citibank or was it through American airlines. Lets hear those juicy details
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fantasy86dj
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Postby fantasy86dj » Sun Aug 21, 2011 3:33 pm

Wonderful experience! I went to my bank a few month ago (Commonwealth Bank in Australia) and I got my credit card interest rate lowered as well.

I think in this market there are a lot of banks ect. trying to get business and keep their customers happy, its such a consumer market here at the moment.

ooxs
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Postby ooxs » Sun Sep 11, 2011 10:23 am

Sometimes all you have to is ask :) I keep getting 0% transfers for 12 months from them right after i pay off the old balance.

JNK
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Postby JNK » Thu Sep 15, 2011 5:50 am

I don't ask and Chase keeps sending me loads of 0% BT offers all the danged time after I did my one and paid it off.

Now when people say 'permanent' reduction, do you mean the APR is dropped to a FIXED rate or do you mean the APR was simply dropped to a lower rate and will stay there so long as you keep your account in good standing?
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bisbicos
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Postby bisbicos » Mon Sep 19, 2011 11:44 pm

I called Citi today and got my Apr rate lowered from 17.99 to 13.99. All I did was ask
Credit Cards
American Express: Fidelity Rewards (2% cash back) 9.5k
Zync NPSL
Discover: Discover More (5% rotating categories) 12k
Mastercard: Chase Freedom (5% rotating categories) 4.6k
Visa: Citi Forward (5x pts on restaurants) 15.7k
Citi Dividend (5% rotating categories) 5.6
Capital One Journey (1.25% cash back) 1.25k
BofA AAA (5% on gas) 2.5k
PenFed Platinum Rewards (5% on gas 3% groceries) 7.5k

Future Cards
US Bank Cash +
Chase Ink



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