Iroquois wrote:I have a Citibank card. This past summer I called and asked if they had lower rates. They dropped the rate on my card a ton. I've waited again until this Spring to go back and ask again. Upon asking today, they dropped the APR another full 2% down into the single digits. Its a permanent reduction, not a promotion, takes effect immediately and is good on the previous balance I was carrying.
Many of these issuers have rates available but only provide them if you ask for them. They appear to be operating under the principle that unless you ask you must be OK with what you have.
How long have you been with Citi bank? Also which CC is it? And lastly if I can ask what was the original Apr and what is it now?