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Reply to "Has anyone successfully negotiated down credit card APR? Tips?"
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[quote=Anonymous]I've done it, but with credit unions. Not sure how it would work with another card but I don't really use those. I have a 9.99% APR w/ PenFed Visa and wanted the same 8.99% APR that Navy Federal gave. They will do it if you have a strong banking history with them and you use your credit responsibly. They want your business. If not, do a balance transfer and get the lower rate. Even if you pay a fee to transfer that is a better option than paying more money over the long run for a higher APR. There are great promos going on now for balance transfers because its the beginning of the year. I know Navy Federal has 0% APR for 12 months, PenFed 0% APR for 18 months. [/quote]
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