Has anyone ever successfully gotten USAA to lower thier apr? The other day they had no issue with granting me a 6l cli to raise my line to 16k but still waiting on a response for APR reduction. With a 25.90% APR I doubt know I will never use the card.
Well I finally recieved a reply back with a big fat no , so i guess I will just be adding them to my sd.
@maksimfa wrote:Unless you carry a balance, who cares. Look at the rewards.
If you need to carry a balance, you should not be using credit cards, at the least evaluate your spending habbits. if you cant afford to pay it off out of savings, should not be buying.
Actually USAA's reward mall is meh compared to my other cards, and I actually do care about the APR if I choose to ever carry a balance. To tell someone they should not be using credit cards if they have to carry a balance is not true by a long shot. While I personally agree with school of thought to keep credit card balances to none per month if possible. If you have to carry a balance it not an issue if you have control to stop it from becoming a snowball of debt.
@maksimfa wrote:Unless you carry a balance, who cares. Look at the rewards.
If you need to carry a balance, you should not be using credit cards, at the least evaluate your spending habits. if you can't afford to pay it off out of savings, should not be buying.
I'm surprised OP didn't go off on you for making such assumptions. First off as OP stated, USAA's rewards are horrible. I have two of their cards with high limits but with lacking rewards I hardly use them. There is also nothing wrong with looking to have your APR lowered. I never carry balances but I chase lower APR's as much as I chase CLI's. You never know when you might need to roll a balance in the event of an emergency.
USAA has offered me balance transfer offers in the past that range from 3% to 1.9% for 12 months. I haven't had the need to use if but this can be a viable option. Check the offers tab next time you log in and see if you have something there. 
Finally, I tried in the past to get a lower APR with USAA (currently 13.9%) and they told me I would need to re-apply for the same or another card. They are not revising the terms for anyone with a current product. So no reductions at all. Hopefully this changes in the future.
@takeshi74 wrote:I've never had them approve an APR reduction request. However, recently they dropped the APR on each of my cards by 1%.
Has your credit improved since you applied? If they gave you 25.9% there was at least something they didn't like.
Nope credit is fine, It just USAA's Apr randomness/ I am a non military member. I have another card with USAA I got a month later then this one and its apr is 15% with no change on CR, or balances.