@kdm31091 wrote:
@WLRK11 wrote:
@SunriseEarth wrote:I was able to reduce my QS from its HBSC-legacy APR of 19.9% to 17.9% recently through the EO.
Thanks, SunriseEarth! I hear it's quite difficult to contact the EO these days.
Not to mention the fact of having to hassle with them to get a 2% APR reduction whereas with Discover or Amex it's a five minute chat process if you are eligible.
I like Capital One and the QS I really do. But APR reductions I don't think are really simple with them on the frontline level. I haven't tried it yet myself though. I am not going to jump through hoops with the EO over an APR on a card that I have SD anyway.
Your last sentence sums up why I closed my Secured MC with them. After years of phone, IM, and secure messages requesting graduation (which was implied when I signed-up), APR reduction, waived AF, and rewards of any kind, I finally closed it.
