providians fixed rate

Discussion in 'Credit Talk' started by rolo, Dec 10, 2000.

  1. rolo

    rolo Well-Known Member

    I just requested an apr reduction from providian,and the rep said that my account wont be 3 months old until the end of this month.and only then will they review my account.But she also said that the 23.9% apr is a fixed rate and it probably will not be reduced.I have a $1000.00 limit with $180.00 on the card I could pay this off.BUT I want to keep a little balance in hopes that they would be willing to negotiate with me. How long should I wait before asking for an apr reduction again.any response would be appreciated.
  2. river

    river Well-Known Member

    Call and ask for retention dept. and ask for apr reduction.
  3. rolo

    rolo Well-Known Member

    even if the account is only three months old.
  4. river

    river Well-Known Member

    It's worth a try.There's nothing to lose by trying
  5. TK

    TK Guest

    usually the account has to be at least one year old before they'll consider it. But the definately do adjust aprs. I had mine adjusted to 16.9 last summer. Try it, you never know.

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