Thanks-was it you Ron?-- who posted they were able to lower their Target Visa APR. They lowered me to 9.9. Apprd Dec for 15.9, called twice, lowered to 12.9, called yesterday and now 9.9. I have carried a balance of an average of 600 and took a cash adv of 200. Bal as of increase 756. Target 9.9 BoA Plat 9.9 Get Smart Plat 7.99 F MBNA LOC 11.96 F
BigH, Congraduations!!! Target Visa is tough to lower APR and it took me a couple of months to lower rate into 9.9% fixed. My Target was approved back in Dec and the rate was orignally 15.9% fixed. I called their customer service to lower my APR and most of them said "No. It is too early to lower the rate and you got to show payment history". Finally I got one good customer service to lower to 12.9% fixed APR. Within these three months I didn't use the card a lot and I normally used the card inside the Target store. About two weeks ago, I called their customer service and they let me having their lowest rate. Not too many people on this board have their lowest rate. My Apple Instant Loan has their lowest rate with APR 10.96% fixed and they have to pulled my credit report. Now I owe a computer on that account. I got a few low rate card like MBNA Quantum Rewards with 10.99% APR,BofA 9.99% fixed, Everbank Bank 8.40%,Nextcard 9.9% fixed, People's Bank 10.99% fixed. Ron.
ME 15.90%------>NOW 12.90% WIFE 18.90%---->NOW 15.90% They told wife that's all she will get for a long time...maybe till card expires??? 11/2004???
I sent (E-MAIL) from their web site a request for 9.90%...no answer... I said something like the interest rate of 15.90% is WAY higher than any other rate (SHE) has...9.90% is high enough...