How do I ask Capital One to lower my 22.9% Interest Rate? How LOW??

[belairpatrol]

Just past 6 months and interest rate is 22.9%. Will they pull credit report if I ask for lower interest rate?

[shifter]

no, call the EO.

[chicagorich]

Are you carrying a balance on the card.? Interest rate doesn't really matter unless you plan on carrying a balance.

[Mustard on Fries]

Call em, ask em...

[whipster]

Or you can use the chat.

[belairpatrol]

If I email the exec office, will they pull a credit report. I have used my credit lines for one to two month short term, cash flow situations, and I would like to pay the least interest as possible.

[shifter]

Or you can use the chat.

waste of time.

[shifter]

If I email the exec office, will they pull a credit report. I have used my credit lines for one to two month short term, cash flow situations, and I would like to pay the least interest as possible.

don't email them, call them.

 

and it will be a soft pull if anything.

 

but if you're looking for good, low interest financing,

 

C1 is not the place.

[cv91915]

Look for BT offers on your existing card.

 

I always have two offers:

 

- No fees if paid in full by the due date of the statement on which the transfer is billed.

 

- 0% for 12 months, with a 3% BT fee.

 

I take advantage of the first one a couple of times a year, because I am amused at using a small amount of their money for free, and it keeps some activity on the account.

[mrjuggalo9er]

Look for BT offers on your existing card.

 

I always have two offers:

 

- No fees if paid in full by the due date of the statement on which the transfer is billed.

 

- 0% for 12 months, with a 3% BT fee.

 

I take advantage of the first one a couple of times a year, because I am amused at using a small amount of their money for free, and it keeps some activity on the account.

I am jealous, the only offer I have is no fee, same apr as purchases. I think I will use my capone card to $2500 in money orders just to spite them

[cv91915]

 

Look for BT offers on your existing card.

 

I always have two offers:

 

- No fees if paid in full by the due date of the statement on which the transfer is billed.

 

- 0% for 12 months, with a 3% BT fee.

 

I take advantage of the first one a couple of times a year, because I am amused at using a small amount of their money for free, and it keeps some activity on the account.

I am jealous, the only offer I have is no fee, same apr as purchases. I think I will use my capone card to $2500 in money orders just to spite them

 

 

Same APR as purchases = pay in full on the due date of the statement on which the transfer is billed.

[mrjuggalo9er]

Welcome to our Capital One secure chat service! This chat will be monitored and recorded.

Hi, this is Paula. Whom do I have the pleasure of chatting with today?

You

10:12 AM

robo chicken

Paula

10:12 AM

Hello robo chicken, great to have you on chat!

Paula

10:13 AM

How may I assist you today?

You

10:13 AM

you as well, I am wondering if anything can be done to lower the absurd 24.99% interest rate on my card?

Paula

10:14 AM

Thank you!

Paula

10:14 AM

I'll be happy to access your account and check that for you.

You

10:15 AM

thanks!

Paula

10:15 AM

Please verify the following information to access your account: name (exactly as it appears on your credit card), zip code, date of birth and last four digits of your Social Security Number.

You

10:15 AM

$%^

Paula

10:16 AM

Could you please provide me with the last 4-digits of your account number?

You

10:16 AM

$%^&

Paula

10:16 AM

Thank you for verifying that information. Bear with me for just a moment while I review the account.

Paula

10:17 AM

I appreciate your time and patience, Jedd.

Paula

10:18 AM

*I appreciate your time and patience, chicken.

You

10:18 AM

lol

Paula

10:18 AM

I'm sorry for the typo in your name.

You

10:18 AM

you are ok

Paula

10:18 AM

I've checked and unfortunately, we are currently unable to lower your annual percentage rate (APR). We continually review our rates to assess their competitiveness. If we determine in the future that we can offer a change, we'll let you know.

You

10:19 AM

ok thank you

 

 

 

 

what a waste of bandwidth

[shifter]

no, call the EO.

[RussInGotham]

 

no, call the EO.

This. Don't waste your time with first line CSRs. Go straight to the EO.