CSR -- 20.6% apr

[ddemari]

sorry about your apr op. I dont think many have had luck getting that apr lowered upon activation. 

[kdm31091]

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@ddemari wrote:

sorry about your apr op. I dont think many have had luck getting that apr lowered upon activation. 

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Not just at activation, but ever with Chase! I haven't heard of any consumer requested APR reductions occuring with them. Just not something they do.

Anytime I have asked, I get a spiel about "they review accounts every 6 months" but I've never heard of this actually resulting in a lower rate for anyone.

All one can do with Chase is just resign not to carry a balance

[Xistaben2]

I got hit as well with the 24% APR.  My score is lower than yours, but Cap1 and Amex gave me low APRs, Amex giving me the lowest offered for their EDP.

Not sure the reasoning, I just assume they hate me lol which is fine.  Hadn't planned on carrying a balance on the CSR and nor should you.  Take it in stride I guess.