Just curious for anyone who has this card what is your APR?? I want to know how much I can talk them down to
Crap mines 14.5%, but i just got the AAdvantage. I'll probably wait for a BT offer, then combine to my 8.4% platinum select card.
Thanks Saar, actually I have never mentioned the "R" word when dealing with Citibank (so far) they have always lowered my rate when asked, so I will see if they are just as nice this time. The rep also told me I have the maximum amount of cards with them (3) and I could always combine then apply again.
BTW, if you ask them, "R" would also make you a fee-free BT offer. One thing to point out though, it's not just a matter of talking to a nice rep. CS reps don't lie when they (sometimes) tell you they can't lower the APR. They really can't access the offers "R" can make you. Saar
Very good point Saar, they are offering me 2.9 for nine months but want to charge a fee, the "R" department here I come I haven't called yet trying to decide what to transfer, but yes I am not going to pay a fee for this
Mine's 12.74% as of today. It was 12.99 a few weeks ago. They must have dropped it a 1/4 point with the Fed decrease.
When you ask to close the account...the RETENTION DEPARTMENT is supposed to try to offer you a better deal so you will stay. LIKE LOWER % HIGHER CREDIT LINE NO ANNUAL FEE BETTER CARD But sometimes you NEVER even get to the RETENTION DEPARTMENT... ONE CARD I HAD WHEN I CALLED, I SAID "I WAS GOING TO CLOSE THE ACCOUNT IF I CAN'T GET A BETTER DEAL" "OK IT'S CLOSED" "YOU CAN'T TRY"~~~"AND NOBODY ELSE CAN TRY EITHER" "IT'S CLOSED" "CAN I GET THAT IN WRITING" "IT WILL BE ON YOUR FINAL BILL"
