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How to get a lower APR?


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Hello,

I have a credit card and I would like a lower APR. Has anyone here had success in getting your credit card company to lower their rates? If so what did you say to get them to lower it?

It depends on the creditor. Some will lower it if you'd just call and ask. But that also would depend on your payment history w/ them. Cap1 (although I refuse to obtain credit w/ them) just lowered my beau's interest rate & eliminated the annual fee on 2 of his cards when he called to cancel. Go figure.

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