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Amex APR Reduced From 21.99% to 10.24%

Frequent Contributor

Re: Amex APR Reduced From 21.99% to 10.24%

That is just AWESOME!!!   Congrats!!!

11/14 Wake up: EX 10/14 584 GOALS: 2015=720+ My FICO:10/27/15 EQ 693 TU 712 EX 705: WalMart 5K- C1 QS 1300 ; C1QS 1300 : Credit One 500; Kay 6k : PP Smart Conn 4k; QVC 3500: USAA Plat MC 1,500 AMEX PRG nsl : BoA $3k; Kohls 750: Am Eagle 4k: Amazon 6k ; Pier One 3500; Lowes 12k: VS 350: Chase Amazon 500; Sportsmans 2k; Ttl Rwds Sign VISA $9K; BJsPerks $4k: BarclayNFL 3800; JCP 5k; Macys 1k; NFCU cc $25k: NavCheck $15k; AARP $4k; Discover $4k
Message 11 of 23
Established Member

Re: Amex APR Reduced From 21.99% to 12.25%


jdt wrote:

fordguy89 wrote:

Congrats! I am still in my intro period, Do you have other accounts with them, and what is your time with AMEX?

 

Should a member call months and months before the regular rate goes live, or do you think its better to call right before?


They won't entertain an APR decrease until the promo rate is over.


Not entirely true - I contacted them about the APR on my EveryDay card during my intro 0% APR.  Was able to get them to reduce it (like 2%) really not much at all, but at least now I'm below 20% once the real APR kicks in 2016. 

 

Others may be able to get larger reductions.

CCT FICO 08s - 08/12/2015: Experian: 730 Equifax: 714 TransUnion: 722


In the garden since 8/19/2015
Message 12 of 23
New Contributor

Re: Amex APR Reduced From 21.99% to 10.24%

I see that you have edited your APR reduction from 12.25% to 10.24% - did you get it reduced again from 12.25 or was this just a correction?

Message 13 of 23
Senior Contributor

Re: Amex APR Reduced From 21.99% to 10.24%


ScoreOrBeScored wrote:

So I contacted Amex to see about getting my Apr reduced on my BCE .... I'm so happy with my reduction and wouldn't mind carrying 

 

a small balance from time to time now. Thanks AMEX !!!!


congrats


Message 14 of 23
Super Contributor

Re: Amex APR Reduced From 21.99% to 10.24%

Great reduction. Congrats!

;
Starting Score: EQ: 714, TU 684
Current Score: EQ: 725 7/30/13, TU 684 6/2013, Exp 826 4/16/17, Last App 8/5/17
Goal Score: 800 (Achieved!) In garden until Sepetember 2019
Message 15 of 23
Valued Contributor

Re: Amex APR Reduced From 21.99% to 10.24%


NKR25 wrote:

I see that you have edited your APR reduction from 12.25% to 10.24% - did you get it reduced again from 12.25 or was this just a correction?


Correction, didn't realize it typed 12. 10.24% is My new rate. Sorry bout the confusion

Message 16 of 23
Super Contributor

Re: Amex APR Reduced From 21.99% to 10.24%


ScoreOrBeScored wrote:

So I contacted Amex to see about getting my Apr reduced on my BCE .... I'm so happy with my reduction and wouldn't mind carrying 

 

a small balance from time to time now. Thanks AMEX !!!!


Congrats. How long have you had the BCE? I might try this myself. My Delta is off the hook high. 19.24 Wonder if they will show a little luv as well?


Message 17 of 23
Valued Contributor

Re: Amex APR Reduced From 21.99% to 10.24%


taxi818 wrote:

ScoreOrBeScored wrote:

So I contacted Amex to see about getting my Apr reduced on my BCE .... I'm so happy with my reduction and wouldn't mind carrying 

 

a small balance from time to time now. Thanks AMEX !!!!


Congrats. How long have you had the BCE? I might try this myself. My Delta is off the hook high. 19.24 Wonder if they will show a little luv as well?


Just ask. It never hurts to ask. My BCE started at 16.99% back in 2012. And now it's at 7.24%. I ask them to reduce my APR every few months. Sometimes they reduce it, other times they say no offers are currently available. 

Message 18 of 23
Valued Contributor

Re: Amex APR Reduced From 21.99% to 10.24%


taxi818 wrote:

ScoreOrBeScored wrote:

So I contacted Amex to see about getting my Apr reduced on my BCE .... I'm so happy with my reduction and wouldn't mind carrying 

 

a small balance from time to time now. Thanks AMEX !!!!


Congrats. How long have you had the BCE? I might try this myself. My Delta is off the hook high. 19.24 Wonder if they will show a little luv as well?


i opened my BCE  2/2/2014

Message 19 of 23
Senior Contributor

Re: Amex APR Reduced From 21.99% to 10.24%

That is a great drop in APR! Congrats!!


Message 20 of 23