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I've never really paid attention to APR until I had to recently charge more than I could pay in full, due to buying a new house and needing to buy so many things. I decided to give the chat on AMEX's website a try. I successfully got them to reduce from 18.24% (originally 17.24% when opened) down to 16.24%. Later in the day, I noticed an offer for a card at 13.24% in my account. I called up and inquired about it, but found out it was a business card. I asked if they would match the APR. I was put on hold for a few minutes and she came back with saying she could lower my APR to 15.24%, saying that's the cap to how much they can lower a card in a single day.
I decided to call Discover and they also lowered my APR by 2%, and gave me a 12 month 0% interest offer as well.
TLDR; AMEX BCE reduced from 18.24% -> 15.24%, Discover IT Chrome reduced by 2% (can't remember the APR's, but much higher than AMEX)
Congrats!!! Discover just lowered my APR by 3% a few days ago.
Congrats.
Nice. Let me ask you this .Did your disco have a balance on it when they gave you the offer? If so how much uti? And how long have you been with them? Asking for my sister.
Oh ok .I was wondering if they would do the offer with a hefty balance on the card .Guess its worth a shot anyway.
Congrats on your apr decreases!