Twigs199 wrote:Is it based off relationship with the creditor?
Twigs199 wrote:I know it sais based on credit worthiness but with my cards they have such a broad range of APR.
That's because their criteria vary. They decide their own tiers. Plus, your credit varies. When you apply there's no guarantee that your credit was identical throughout all your prior applications.
Keep an eye on your utilization. With high utilization I got stuck in the highest APR brackets and received low limits. Dropped my utilization about 5 months later with no other changes and got the lowest brackets and much higher limits.
Twigs199 wrote:The higher APR cards do they eventually go down over time or do you have to request it?
Depends on the creditor and the product. Some do, some don't. Never hurst to ask but, for example, USAA turns me down every time. Few months ago they dropped all my cards by 1% each.
Twigs199 wrote:And if I did called for an APR change would that be a hit on the score?
Depends on whether or not the specific creditor requires an HP for the APR reduction request.