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Amex Blue APRs

Established Contributor

Re: Amex Blue APRs

My Amex BC is 10.99% currently....I'm going to call in next month to request a APR reduction. Thanks for sharing everyone.
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Time to clean house and get rid of CCs from bad CCCs. Opt'd Out and Paying off the Balance: BofA. Closed: Chase Freedom. Keeping: Amex Blue, Amex Costco Cash back, Citi Forward, USAA MC, USAA Amex, and PenFed Platinum Cash Back. Next up for review: Chase Sapphire...
Senior Contributor

Re: Amex Blue APRs

I'm at 9.49 on my clear, and i thought that was one of the lower rates offered on the card... i'm so psyched that amex seems to be giving me a shot at a decent rate.  Your clear apr makes even much harder to get, lowish rate cards like Simmons First look mensa mensa.  Good going fused Smiley Wink 


fused wrote:
My Clear (formerly a Blue) is currently at 6.74%.





Message Edited by score_building on 08-02-2008 08:13 PM

Message Edited by score_building on 08-02-2008 08:14 PM
DCU EQ 5.0, Citi EQ 08 Bankcard, PenFed EX NG2
EX 08: AFCU, Amex, Chase, PSECU EX 98(?)
TU 08: Barclays, Discover
Regular Contributor

Re: Amex Blue APRs

I'm at 8.99% (includes prime) - not too bad.
Great Credit is Sexy Smiley Wink EQ 793 / TU 791 / EX 773, 6/2017
Established Contributor

Re: Amex Blue APRs

I didn't get an introductory rate on mine - just got 15.99. Smiley Sad

Just checked my Delta SkyMiles statements, and that has been steadily dropping from the initial 17.24 (yikes!) I got when they accepted me to its current 14.99, which it's been stuck at for a few months now.

I wonder if as my scores (hopefully) rise and my pathetically young credit history grows, they'll continue to lower my rate? Anyone know whether they automatically lower to GOOD (ie impressively low rather than just 'blah') rates, or is that something you have to call and beg for?

Not that I'm over-bothered, as it's not as though I'm going to be carrying a balance on the things anyway. The Blue's in the process of being switched to a Blue Cash - I forget what rate the CSR told me on the phone, but it wasn't anything too incredibly great. We shall see!
EQ: 723 / TU: 760 (August 2009)
Frequent Contributor

Re: Amex Blue APRs

I have 6.75% on my USAA AMEX.  I currently get 5% cashback on the 1st $650 of fuel and dining purchases and 1% on everything else.

Current Score: EX 772 EQ 777 TU 783 15 Jan 17
Goal Score: 815 across the board by Jan 18


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Valued Contributor

Re: Amex Blue APRs

12.99%
IN VINO VERITAS.
Moderator Emeritus

Re: Amex Blue APRs



fevmlo wrote:
Just checked my Delta SkyMiles statements, and that has been steadily dropping from the initial 17.24 (yikes!) I got when they accepted me to its current 14.99, which it's been stuck at for a few months now.


Mine also started at 17.24 and is currently at 14.99.  That's because it's a variable rate, and the prime rate has come down in the meantime. Smiley Wink

 
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App free since 7/11/08.
TU 744 / EX 710 / EQ 694 (Starting to slip. Smiley Surprised )
Super Contributor

Re: Amex Blue APRs

A lot of these seem pretty low APRs for a reward card to me.

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The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
Established Contributor

Re: Amex Blue APRs



cheddar wrote:








fevmlo wrote:

Just checked my Delta SkyMiles statements, and that has been steadily dropping from the initial 17.24 (yikes!) I got when they accepted me to its current 14.99, which it's been stuck at for a few months now.





Mine also started at 17.24 and is currently at 14.99.  That's because it's a variable rate, and the prime rate has come down in the meantime. Smiley Wink


 






Haha - yeah, a little while after posting that I was standing in the kitchen pondering AmEx APRs and thought 'Duh! That's because my rate is prime + whatever, not because AmEx like me more than they did a few months ago!' - brain a bit slooow this morning! I meant to post again about this 'revelation' I'd just had, but you beat me to it! Smiley Happy
EQ: 723 / TU: 760 (August 2009)
Moderator Emeritus

Re: Amex Blue APRs

I have to agree-
 
I guess much of this is because prime rate is so low right now- and the other is we have some very savvy customers.

MidnightVoice wrote:
A lot of these seem pretty low APRs for a reward card to me.

Comments?