topic Re: Chatting with AMEX CSR's can be lighthearted and fun..... APR decrease and negotiation in Credit Cards

Chatting with AMEX CSR's can be lighthearted and fun..... APR decrease and negotiation

MissCredit9 — Thu, 30 Jul 2015 04:33:50 GMT

Here is a direct copy/paste from an AMEX chat where I successfully lowered the APR on my AMEX Delta Gold card. Hopefully this will be a useful guide for others who wish to do the same. First time a CSR said they loved me BTW tehe.

Welcome to American Express Live Chat! The next available Customer Care Professional will be with you shortly.

For quality assurance, this chat may be recorded and monitored. For your security, please click “End Chat” to close this chat window before leaving your computer unattended or when chat is complete. Your estimated wait time is 0 minutes and 2 seconds.

You are now chatting with Elisha.

Elisha

Hi, my name is Elisha.

Elisha I have read your complete chat inquiry.

Elisha I will be happy to assist you.

Elisha Am I chatting with name ommitted?

You Hello Elisha

You yes this is name ommitted

Elisha Thank you so much for confirming the name.

Elisha Thank you for your valuable business with American Express since 2013, we really appreciate it.

Elisha We are here just because of you and for you, it is your trust that has kept us on this position.

You you're welcome

You that is kind to say

Elisha Thank you!

Elisha I've checked your Gold Delta SkyMiles®.

Elisha Your APR for new purchases is a variable rate, currently 19.24%.

You Yes i see that. I don't typically carry a balance but i would be afraid to with such a high interest rate....

You I have pretty great credit and was hoping i could ask for a lower interest rate given my payment history with AMEX

Elisha I can review your card for low APR.

Elisha I love you as my customer.

Elisha Sure

Elisha

Definately.

Elisha

We are here just because of you and for you, it is your trust that has kept us on this position.

Elisha

I really appreciate you are so vigilant about your payment, I wish to maitain my accounts like you are doing it!

Elisha

(smile)

Elisha

I am reviewing it for you.

You

you're funny

You

Thanks

You

for looking into it..

You

and keeping me amused during the process

Elisha

(smile)

Elisha

I am checking for you mam.

You

I appreciate it

Elisha

I was trying on my system and system was hanging.

Elisha

Now I have asked my Supervisor to look in to this for you.

You

take your time

Elisha

I am sorry for the delay.

Elisha

Thanks for your cooperation and understanding.

Elisha

Thank you!

You

not everything can happen instantaneously

Elisha

I really appreciate your understanding and patience in this regards.

You

no worries. it's hard to be impatient when your are sitting in front of a laptop with the worldwide web at your fingertips. <so may ways to occupy the mind>

You

i'm watching funny cat videos

You

haha

Elisha

(smile)

Elisha

I can offer Variable Prime (3.25%) + 14.00%, which is currently 17.25%

Elisha

Do you agree mam?

You

If that is your absolute best I guess I can't say no. I was hoping for something a little closer to 15.24% where my other prime rewards cards are sitting at

Elisha

Let me check with my Supervisor.

You

thanks. I would like to have my interest rates uniformed because I'm kinda OCD like that

Elisha

I value you so much...

Elisha

This is the best we can offer now.

Elisha

Variable Prime (3.25%) + 13.50%, which is currently 16.75%

Elisha

Do you agree?

You

Fine, I will take it

Elisha

Thank you!

You

How often am I eligible for the interest decreases

You

Is there a rule or is it a case by case basis?

Elisha We review the account periodically.

Elisha You can also request for low APR after couple of months.

You Ok thanks

Elisha You are most welcome!

Elisha Its done.

Elisha I have made the changes.

Elisha They are effective immediately.

Elisha Thanks for your cooperation and understanding.

You I appreciate all of your help today

Elisha I appreciate your support, kindness, love tonight.

Elisha Please keep a smile on always.

Elisha Is there anything else I can assist you with today?

You will do

You that will be all

Re: Chatting with AMEX CSR's can be lighthearted and fun..... APR decrease and negotiation

Anonymous — Thu, 30 Jul 2015 04:51:43 GMT

@MissCredit9 wrote:
Here is a direct copy/paste from an AMEX chat where I successfully lowered the APR on my AMEX Delta Gold card. Hopefully this will be a useful guide for others who wish to do the same. First time a CSR said they loved me BTW tehe.
Welcome to American Express Live Chat! The next available Customer Care Professional will be with you shortly.

For quality assurance, this chat may be recorded and monitored. For your security, please click “End Chat” to close this chat window before leaving your computer unattended or when chat is complete. Your estimated wait time is 0 minutes and 2 seconds.
You are now chatting with Elisha.

Elisha
Hi, my name is Elisha.
Elisha I have read your complete chat inquiry.
Elisha I will be happy to assist you.
Elisha Am I chatting with name ommitted?
You Hello Elisha
You yes this is name ommitted
Elisha Thank you so much for confirming the name.
Elisha Thank you for your valuable business with American Express since 2013, we really appreciate it.
Elisha We are here just because of you and for you, it is your trust that has kept us on this position.
You you're welcome
You that is kind to say
Elisha Thank you!
Elisha I've checked your Gold Delta SkyMiles®.
Elisha Your APR for new purchases is a variable rate, currently 19.24%.
You Yes i see that. I don't typically carry a balance but i would be afraid to with such a high interest rate....
You I have pretty great credit and was hoping i could ask for a lower interest rate given my payment history with AMEX
Elisha I can review your card for low APR.
Elisha I love you as my customer.
Elisha Sure
Elisha
Definately.
Elisha
We are here just because of you and for you, it is your trust that has kept us on this position.
Elisha
I really appreciate you are so vigilant about your payment, I wish to maitain my accounts like you are doing it!
Elisha
(smile)
Elisha
I am reviewing it for you.
You
you're funny
You
Thanks
You
for looking into it..
You
and keeping me amused during the process
Elisha
(smile)
Elisha
I am checking for you mam.
You
I appreciate it
Elisha
I was trying on my system and system was hanging.
Elisha
Now I have asked my Supervisor to look in to this for you.
You
take your time
Elisha
I am sorry for the delay.
Elisha
Thanks for your cooperation and understanding.
Elisha
Thank you!
You
not everything can happen instantaneously
Elisha
I really appreciate your understanding and patience in this regards.
You
no worries. it's hard to be impatient when your are sitting in front of a laptop with the worldwide web at your fingertips. <so may ways to occupy the mind>
You
i'm watching funny cat videos
You
haha
Elisha
(smile)
Elisha
I can offer Variable Prime (3.25%) + 14.00%, which is currently 17.25%
Elisha
Do you agree mam?
You
If that is your absolute best I guess I can't say no. I was hoping for something a little closer to 15.24% where my other prime rewards cards are sitting at
Elisha
Let me check with my Supervisor.
You
thanks. I would like to have my interest rates uniformed because I'm kinda OCD like that
Elisha
I value you so much...
Elisha
This is the best we can offer now.
Elisha
Variable Prime (3.25%) + 13.50%, which is currently 16.75%
Elisha
Do you agree?
You
Fine, I will take it
Elisha
Thank you!
You
How often am I eligible for the interest decreases
You
?
You
Is there a rule or is it a case by case basis?
Elisha We review the account periodically.
Elisha You can also request for low APR after couple of months.
You Ok thanks
Elisha You are most welcome!
Elisha Its done.
Elisha I have made the changes.
Elisha They are effective immediately.
Elisha Thanks for your cooperation and understanding.
You I appreciate all of your help today
Elisha I appreciate your support, kindness, love tonight.
Elisha Please keep a smile on always.
Elisha Is there anything else I can assist you with today?
You will do
You that will be all

Lol. Congrats! Amex reps can certainly be fun! Sometimes with more difficult questions I would advise a person to call. For stuff like this and basic stuff, chatting is VERY FUN!

Re: Chatting with AMEX CSR's can be lighthearted and fun..... APR decrease and negotiation

Anomalous — Thu, 30 Jul 2015 05:14:03 GMT

Ha! Congratulations!

Re: Chatting with AMEX CSR's can be lighthearted and fun..... APR decrease and negotiation

OmarGB9 — Thu, 30 Jul 2015 06:00:29 GMT

Haha nice!

Re: Chatting with AMEX CSR's can be lighthearted and fun..... APR decrease and negotiation

Anonymous — Thu, 30 Jul 2015 08:03:28 GMT

Congrats on your APR reduction!!!

Re: Chatting with AMEX CSR's can be lighthearted and fun..... APR decrease and negotiation

core — Thu, 30 Jul 2015 23:37:36 GMT

You told the CSR you were watching funny cat videos?? Wow. I guess that's one strategy. Based on Amex CSR conversations I've had recently, I bet your comment made them hungry.

Re: Chatting with AMEX CSR's can be lighthearted and fun..... APR decrease and negotiation

Anonymous — Fri, 31 Jul 2015 04:35:06 GMT

I always love the '(smile)' the chat CSR's have.

Re: Chatting with AMEX CSR's can be lighthearted and fun..... APR decrease and negotiation

Imperfectfuture — Fri, 31 Jul 2015 12:35:32 GMT

I did online chat (get US reps via phone when have business card). I never get (smile).

Re: Chatting with AMEX CSR's can be lighthearted and fun..... APR decrease and negotiation

Anonymous — Fri, 31 Jul 2015 14:34:50 GMT

I totally perfer chatting with amex rep online than calling.

Re: Chatting with AMEX CSR's can be lighthearted and fun..... APR decrease and negotiation

Anonymous — Fri, 31 Jul 2015 14:38:03 GMT

@Imperfectfuture wrote:
I did online chat (get US reps via phone when have business card). I never get (smile).

On the opposite, I feel like i'm at McDonalds when I chat with AmEx because I always get free (smile)s