Do credit card companies check your credit score when you request to have your interest rate lowered?

If I were to call my credit card company to request a lower interest rate, will they check my credit score to determine my new rate?

Public Comments

1. Yes. Always!!!!!!!!!!!!!!!z
2. Yes. Your interest rate is based on your credit score. If you have a poor credit score, the higher your interest rate ... and if you have a good credit score, the lower your interest rate.
3. agrees!
4. YES! When I was in the process of buying a house, I called BofA to lower my interest. Due to the house inquiries or whatever, they canceled my card!
5. In most cases they do check credit when a customer calls and request a lower rate, which is typically reserved for very well established customers. They also check to see if you have taken on substantial new debt, had excessive inquiries, or fallen behind on existing debt. Hope this helps