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Chat or call - either one works just fine.
@Luscher wrote:
Don't forget to ask if you have any promo rates available. I got 0% apr for 12 months. If you just opened your account you probably already have this but for everybody else it is worth a shot
Ask for a permanent reduction in your purchase APR. You can ask every 6 months.
I did. got it down to 13.24% from 14.24%
So 0% for 12 months and then 13.24%
Edit: Just did it on my AMEX too and am now at 12% apr. YES!
@Anonymous wrote:Chat worked great. Instant response.
Waiting on a slow 25wpm typer isn't what I call instant. Especially when they start asking how your day is going. Sending a secure mail takes literally 15 seconds. Just a quick note like so: "Give me that double cash back promo, please. And you guys better pay up next year or I'll be visiting in an armored truck. Thanks."
@Luscher wrote:
Don't forget to ask if you have any promo rates available. I got 0% apr for 12 months. If you just opened your account you probably already have this but for everybody else it is worth a shot
I agree! Everyone asking for the Double Cash Back promo should ask about any other promo's that are available. I was given 0% for 12 months as well.