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

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.

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

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.

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.

I called Citi today and got my Apr rate lowered from 17.99 to 13.99. All I did was ask