# Your Credit Card APR Is Negotiable – Most Cardholders Who Ask Get a Cut

- Source: Money Crashers
- Published: 2026-10-20T14:00:00+00:00
- Category: Markets
- Original: https://www.moneycrashers.com/lower-credit-card-apr/
- Canonical: https://groundlevelnews.com/story/your-credit-card-apr-is-negotiable-most-cardholders-who-ask-get-a-cut-134e48/

In LendingTree’s 2026 survey, only 23% of cardholders had asked for a lower APR, the yearly interest rate on a card balance, in the previous 12 months. Of those who did, 84% got a lower rate, and the average cut... Source

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