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I been trying to lower my APR for about 2 weeks, and the only good anwser i got is to wait 2 months and try again, but strangely my fico score updated again and is now 740 so I decited to chat and I got a No, but the guy was so nice he gave me a number to call and try with them, Could it work?
Thanks
No idea if it works, but what's the harm in trying?!
AMEX is kind of weird about APR reductions at least in my experience of 1 time so far. I asked them for a perm reduction and they said no. I asked if threre was a 0% and they said no. I asked if there were any offers on my account at all and they said yes and dropped it 3% for 12 months to 14.74%.
Everyone around here says to ask every 6 months or so for a review of offers. I'm not sure they'll do much though if you're under a temp reduction. Never hurts to bug them about it though just like their CLI's they need to be pestered about things to get them to do anything.
I logged into my account earlier this month and there was a pop up that offered a 9.99 for 12 months but each time I clicked on it, it would log me out, so I tried chat and they told me I would need to call, which they provided the number for. I called and spoke with the CSR for a few minutes and they added that to my account. So I would say you do have to call in, but if you don't have a targeted offer, you may not get a reduction....
I think it is profile and even card dependent.
I was able to get my SPG card down to 10.99% (after recent prime rate increases) and it is on a 12-month 6.99% purchase APR offer. Started at 16.24% in Aug 2015.
My Delta (now Platinum, was Gold) is still at the high APR of 19.99% and it was my first AMEX in 2013. That card got a 12-month purchase APR at the end of 2014 for 6.99% but try as I might, I can't get them to lower the regular APR. They offered a 1% temporary reduction for 12 months from Dec 2016. Thanks!
Hilton card also lowered APR somewhat. Started 19.24% in Apr 2015, got it to 15.24% by Sept 2015, but haven't tried more because it's not used much.