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Got approved but the interest rate is a little high.
Should I ask for a better rate? If so would it make more sense to ask upon activation or to call member services now?
I also don't want a hard pull but don't believe saying this will matter too much.
I think if it were me, I would use the card for at least 6 months to establish a track record.
Show them that you will use the card correctly, then give them a call.
As a side line note, I have their Master card and have used it quite a bit. They automatically reduced my APR to 7.75% which is good in my book.
What APR did they give you?
Ray
The USAA Amex is a great card. Most of the bennies of Amex, and some are even better. For example, with regular Amex, they do an extended 1 year warranty on electronics and other things. It's 2 years with the USAA Amex.
APR is 15.9%.
Gonna call tomorrow and ask. It won't cost anything, LOL!
Does this card have a CL?
^ Yes, $5K.
Nice !!
Great card to have.
@drkaje wrote:Got approved but the interest rate is a little high.
Should I ask for a better rate? If so would it make more sense to ask upon activation or to call member services now?
I also don't want a hard pull but don't believe saying this will matter too much.
Do you plan on carrying balances? --just curious.
^ Probably not.
In theory, the rate shouldn't matter.
@drkaje wrote:^ Probably not.
In theory, the rate shouldn't matter.
FWIW, it took a while for my USAA APR's to drop. But I never noticed when it actually happened, and I had to look up the rate when I got curious.