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Ask for a lower card APR

The bot contacts your credit card issuer and asks for a lower interest rate.

Starting prompt (adapted)

Check my credit card's current APR in my account, then contact the issuer through secure chat or messaging and ask for a lower interest rate. Show me any offer before you accept it. Do not accept a new card, a balance transfer, or any fee without asking me first. Never type my full card number or SSN, and hand any identity check back to me. Save the issuer's written reply and tell me the new rate they confirmed, when it starts, and whether it is temporary.

Written for this site from what the cases below did. It is a starting point, not a prompt anyone posted. Fill in the parts in brackets.

What you still do

  • Pass identity checks with the issuer
  • Approve any offer before it is accepted
  • Check the new rate on the next statement

Where it tends to fail

  • Single text-only claim with no new rate stated
  • Bundled with unrelated errands in one post
  • Shown only for a US card issuer

How well it's backed up

So far this is a single text-only claim about a US card issuer, and the new rate was not stated.

Text only: 1.

How we label cases

Cases

Reported done

1 case Show

The provider agreed or the change is reported done. Biggest saving first. Each case says what backs it.