Comments on: How To Lower The APR On Your Credit Cards http://www.askmrcreditcard.com/creditcardblog/how-to-lower-the-apr-on-your-credit-cards/ Latest Credit Card News, Reviews and Information Sat, 21 Nov 2009 01:24:43 -0600 http://wordpress.org/?v=2.8.6 hourly 1 By: Melly http://www.askmrcreditcard.com/creditcardblog/how-to-lower-the-apr-on-your-credit-cards/comment-page-1/#comment-107680 Melly Tue, 19 May 2009 16:25:05 +0000 http://www.askmrcreditcard.com/creditcardblog/?p=662#comment-107680 CHASE suckss, i have an APR of 27%, i called to reduce my APR and they cannot do anything about this at all. CHASE suckss, i have an APR of 27%, i called to reduce my APR and they cannot do anything about this at all.

]]> By: Can Your Spouse Handle Your Credit Accounts? | Ask Mr Credit Card's Blog http://www.askmrcreditcard.com/creditcardblog/how-to-lower-the-apr-on-your-credit-cards/comment-page-1/#comment-102079 Can Your Spouse Handle Your Credit Accounts? | Ask Mr Credit Card's Blog Wed, 25 Mar 2009 07:49:00 +0000 http://www.askmrcreditcard.com/creditcardblog/?p=662#comment-102079 [...] How To Lower The APR On Your Credit Cards [...] [...] How To Lower The APR On Your Credit Cards [...]

]]> By: Sue http://www.askmrcreditcard.com/creditcardblog/how-to-lower-the-apr-on-your-credit-cards/comment-page-1/#comment-97938 Sue Tue, 10 Feb 2009 06:40:38 +0000 http://www.askmrcreditcard.com/creditcardblog/?p=662#comment-97938 I have a credit card with a balance but I have been paying on it faithfully every month. Currently the APR is 5% and I pay $50. I only have $420 left until the balance is at zero. Today I received something in the mail from Capital One (which is who I am dealing with) and they tell me that they are raising the APR to 29% I about flipped. I do not purchase with this card, I am only paying on it. Once the card has been paid off, I don't intend on using this card because of how Capital One has been treating their customers. My question is, can I transfer to someone else and obtain a lower APR so it can be paid off faster. I am pursuing my Doctorate in Education hoping to teach at a university level. My last question is, who would be the best to look at for transferring the balance? I appreciate any assistance regarding this. Regards, SLE I have a credit card with a balance but I have been paying on it faithfully every month. Currently the APR is 5% and I pay $50. I only have $420 left until the balance is at zero. Today I received something in the mail from Capital One (which is who I am dealing with) and they tell me that they are raising the APR to 29% I about flipped.

I do not purchase with this card, I am only paying on it. Once the card has been paid off, I don’t intend on using this card because of how Capital One has been treating their customers. My question is, can I transfer to someone else and obtain a lower APR so it can be paid off faster.

I am pursuing my Doctorate in Education hoping to teach at a university level. My last question is, who would be the best to look at for transferring the balance?

I appreciate any assistance regarding this.

Regards,

SLE

]]> By: Lisa http://www.askmrcreditcard.com/creditcardblog/how-to-lower-the-apr-on-your-credit-cards/comment-page-1/#comment-97908 Lisa Tue, 10 Feb 2009 01:34:50 +0000 http://www.askmrcreditcard.com/creditcardblog/?p=662#comment-97908 I tried getting my creditors to lower my apr and they said NO. Sears said that I was getting the best rate possible already,(YEAH RIGHT),and the other creditors said that If and When an offer for a lower rate becomes available then they will let me know,(again YEAH RIGHT)!! I'm not behind on anything YET and try to at least give $5 more than the minimum payment due. But even then you have to be careful because with some creditors if you make more than the minimum payment so many months in a row then they will make THAT your new minimum payment all the time so you still don't get ahead. I wish I'd never heard of credit cards!!! I tried getting my creditors to lower my apr and they said NO. Sears said that I was getting the best rate possible already,(YEAH RIGHT),and the other creditors said that If and When an offer for a lower rate becomes available then they will let me know,(again YEAH RIGHT)!! I’m not behind on anything YET and try to at least give $5 more than the minimum payment due. But even then you have to be careful because with some creditors if you make more than the minimum payment so many months in a row then they will make THAT your new minimum payment all the time so you still don’t get ahead. I wish I’d never heard of credit cards!!!

]]> By: Diego http://www.askmrcreditcard.com/creditcardblog/how-to-lower-the-apr-on-your-credit-cards/comment-page-1/#comment-94827 Diego Tue, 13 Jan 2009 01:32:28 +0000 http://www.askmrcreditcard.com/creditcardblog/?p=662#comment-94827 I can't seem to get it< I have an account with WAMU I've been calling for the last 3 days and nothing, I even spoke to a manager and nothing the only thing that they offer me was to waive $ 35 over the limit fee. I don't know what to do I've been paying the same amount for a year and I haven't use that card in probably two. I don't know what to do anymore , my current APR is 28% the manager also told me that she was going to put a note on my account that she waived those $35 which may e ineligible for future offers lowering my APR or waiving any other fees. I even told her I was getting laid off. Which is actually true any toughs on this tanks I can’t seem to get it< I have an account with WAMU I’ve been calling for the last 3 days and nothing, I even spoke to a manager and nothing the only thing that they offer me was to waive $ 35 over the limit fee. I don’t know what to do I’ve been paying the same amount for a year and I haven’t use that card in probably two. I don’t know what to do anymore , my current APR is 28% the manager also told me that she was going to put a note on my account that she waived those $35 which may e ineligible for future offers lowering my APR or waiving any other fees. I even told her I was getting laid off. Which is actually true
any toughs on this
tanks

]]> By: Shirley http://www.askmrcreditcard.com/creditcardblog/how-to-lower-the-apr-on-your-credit-cards/comment-page-1/#comment-89557 Shirley Thu, 13 Nov 2008 13:43:57 +0000 http://www.askmrcreditcard.com/creditcardblog/?p=662#comment-89557 i have a bank of America 5000 credit card. i have been late in the last 70 days because my employer when bankrupt the APR went from 14.95 to 29.99 % plus late fees and fees here and there now I can not afford to pay for it anymore. i called Bank of America and they told me my only option to lower the APR was to close ( or revoke) my card. i don't want to close my account or i dont want them to close it. Can they legally be proposing this? Does anyone have a similar experience or solution? I just feel instead of helping they are just putting the rope around my neck... i have a bank of America 5000 credit card. i have been late in the last 70 days because my employer when bankrupt the APR went from 14.95 to 29.99 % plus late fees and fees here and there now I can not afford to pay for it anymore. i called Bank of America and they told me my only option to lower the APR was to close ( or revoke) my card. i don’t want to close my account or i dont want them to close it. Can they legally be proposing this? Does anyone have a similar experience or solution? I just feel instead of helping they are just putting the rope around my neck…

]]> By: ConnieB http://www.askmrcreditcard.com/creditcardblog/how-to-lower-the-apr-on-your-credit-cards/comment-page-1/#comment-88298 ConnieB Mon, 03 Nov 2008 05:38:20 +0000 http://www.askmrcreditcard.com/creditcardblog/?p=662#comment-88298 Awesome Q! I am so glad you were able to get your APR lowered! That's an excellent rate too. Thanks for sharing your experience with us. ~Connie Awesome Q!

I am so glad you were able to get your APR lowered! That’s an excellent rate too. Thanks for sharing your experience with us.

~Connie

]]> By: Q http://www.askmrcreditcard.com/creditcardblog/how-to-lower-the-apr-on-your-credit-cards/comment-page-1/#comment-88280 Q Mon, 03 Nov 2008 02:13:34 +0000 http://www.askmrcreditcard.com/creditcardblog/?p=662#comment-88280 This article was a great help! I called citicards in hopes of a lower apr. I just stayed calm explained my situation and they were able to lower my rate. I had a rate of 14.24%, it was lowered to 3.99% for nine billing cycles and 9.49% thereafter. I just talked about how I am very satisfied with the service, have been a customer for 2 years, never late. I said because of some recent situations (moving, school, etc.) I will be keeping a balance on this credit card more often and my only other option to consider was a balance transfer. This is better than threatening to close the account because they'll still get the current balance from you. Just call and ask, otherwise you'll never know! This article was a great help! I called citicards in hopes of a lower apr. I just stayed calm explained my situation and they were able to lower my rate. I had a rate of 14.24%, it was lowered to 3.99% for nine billing cycles and 9.49% thereafter.

I just talked about how I am very satisfied with the service, have been a customer for 2 years, never late. I said because of some recent situations (moving, school, etc.) I will be keeping a balance on this credit card more often and my only other option to consider was a balance transfer. This is better than threatening to close the account because they’ll still get the current balance from you.

Just call and ask, otherwise you’ll never know!

]]> By: Renee http://www.askmrcreditcard.com/creditcardblog/how-to-lower-the-apr-on-your-credit-cards/comment-page-1/#comment-86194 Renee Thu, 16 Oct 2008 23:24:12 +0000 http://www.askmrcreditcard.com/creditcardblog/?p=662#comment-86194 Mr Credit Card, We make our payments monthly and have not skipped any, however we have been a few days late. I know that has hurt us. We are in debt up to out eye balls! One of our credit cards Citi offered to lower our APR to 0% for 1 yr to help us get it paid off. The other one BofA would NOT lower our 28% APR becaue we had been late 2 times within 12 mons. Our payment is 888.00, this is insane!! How are we suppose to get it paid off.. I don't know what to do at this point?? We can't change that we were 3 or 4 days late and now we have a high interest rate. The account has been closed. Not sure why..they state that we called and close it.. We don't recall doing that. Do you have any suggestions for us? Mr Credit Card,

We make our payments monthly and have not skipped any, however we have been a few days late. I know that has hurt us. We are in debt up to out eye balls! One of our credit cards Citi offered to lower our APR to 0% for 1 yr to help us get it paid off. The other one BofA would NOT lower our 28% APR becaue we had been late 2 times within 12 mons. Our payment is 888.00, this is insane!! How are we suppose to get it paid off.. I don’t know what to do at this point?? We can’t change that we were 3 or 4 days late and now we have a high interest rate. The account has been closed. Not sure why..they state that we called and close it.. We don’t recall doing that. Do you have any suggestions for us?

]]> By: Sharon http://www.askmrcreditcard.com/creditcardblog/how-to-lower-the-apr-on-your-credit-cards/comment-page-1/#comment-83110 Sharon Thu, 18 Sep 2008 04:42:31 +0000 http://www.askmrcreditcard.com/creditcardblog/?p=662#comment-83110 It's definitely worth giving it a go. Good Luck! It’s definitely worth giving it a go. Good Luck!

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