Has anyone sucessfully had the APR on the BMW Bank Visa lowered? Mine is the standard P+5.99%. I have called several times and the reps told me that this was the ONLY APR their card accounts had. Even after explaining I had other cards with better terms I was more inclined to use, they didn't seem to budge.
It's my lowest CL, highest interest rate, and worst rewards program, so it may be heading for the sockdrawer. Anyone else have experience negotiating with their reps?
