first place
Marisol Vega
$567kept a year
24.99% to 18.24% · 6.75 pts
prosperpro founding edition
the $1 cardthe call card for $1. the board ranks interest kept.
second place
Andre Cole
$403kept a year
22.99% to 16.49% · 6.50 pts
third place
Priya Shah
$225.50kept a year
21.49% to 15.99% · 5.50 pts
what is the ask
one call. write down what they say.
- ask for a lower APR, a waived fee, or a higher limit
- write down the rate you had and the rate they offered
- check a credit report only for items that are wrong
- the call card
- Four asks, a script, a math box, and a checklist. The same card at every price.
- a place on the board
- Ranked by interest kept for a year. Paying more does not move you up.
- the app, if you want the next round
- ProsperPro already drafts the APR message. This page is the first punch.
22.36% is the August 2026 rate on commercial-bank cards that were charged interest, from the Federal Reserve’s G.19. The odds below are from LendingTree’s May 2025 survey of people who asked. An issuer can say no.
the line
I’d like a lower rate on this card. What APR can you offer today?
83%got a lower APR
6.7points, on average
95%fee waiver or cut
interest kept
Largest first. A tie goes to whoever logged it first. 10 on the board.
- 4Jonah Ellisread the script$140
- 5Helen Choread the script$104.50
- 6Samir Haddadread the script$75
- 7Ruth Okonkworead the script$58.80
- 8Chris Langasked anyway$28.80
- 9Dana Ruizasked anyway$18
- 10Lee Parkasked anyway$9