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    <title>topic Re: Amex - BCE APR Reduction 8.24% in Credit Cards</title>
    <link>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-BCE-APR-Reduction-8-24/m-p/4368338#M1251343</link>
    <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/594558"&gt;@noobody&lt;/a&gt; wrote:&lt;BR /&gt;&lt;P&gt;Just lower my SPG from 15.99(org 17.24) to 13.24.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;No go on BCE, stay at 12.74(org 13.99), state it is one of the lowest APR available on BCE&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;It a moot point, who dare to carry balance on Amex anyway?&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;They kept telling me the same thing since October when I hit 9%, that I had best rate possible for this card.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;i was even able to get my rate lowered on a card with 0% on it and didn't even have the card yet. ...lol&lt;/P&gt;</description>
    <pubDate>Fri, 11 Dec 2015 05:21:39 GMT</pubDate>
    <dc:creator>ScoreOrBeScored</dc:creator>
    <dc:date>2015-12-11T05:21:39Z</dc:date>
    <item>
      <title>Amex - BCE APR Reduction 8.24%</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-BCE-APR-Reduction-8-24/m-p/4367857#M1251088</link>
      <description>&lt;P&gt;I'm just gone sit this right here.&amp;nbsp;&lt;/P&gt;&lt;P&gt;&lt;IMG src="https://ficoforums.myfico.com/t5/image/serverpage/image-id/17933i53A052FD95803DC6/image-size/original?v=mpbl-1&amp;amp;px=-1" border="0" alt="image.png" title="image.png" /&gt;&lt;/P&gt;</description>
      <pubDate>Thu, 10 Dec 2015 23:07:19 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-BCE-APR-Reduction-8-24/m-p/4367857#M1251088</guid>
      <dc:creator>ScoreOrBeScored</dc:creator>
      <dc:date>2015-12-10T23:07:19Z</dc:date>
    </item>
    <item>
      <title>Re: Amex - BCE APR Reduction 8.24%</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-BCE-APR-Reduction-8-24/m-p/4367876#M1251097</link>
      <description>Very nice! Congrats!!!</description>
      <pubDate>Thu, 10 Dec 2015 23:12:47 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-BCE-APR-Reduction-8-24/m-p/4367876#M1251097</guid>
      <dc:creator>ddemari</dc:creator>
      <dc:date>2015-12-10T23:12:47Z</dc:date>
    </item>
    <item>
      <title>Re: Amex - BCE APR Reduction 8.24%</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-BCE-APR-Reduction-8-24/m-p/4367877#M1251098</link>
      <description>&lt;P&gt;mmm nice, I like that APR, I will try when my statement close!!!&lt;/P&gt;</description>
      <pubDate>Thu, 10 Dec 2015 23:13:25 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-BCE-APR-Reduction-8-24/m-p/4367877#M1251098</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2015-12-10T23:13:25Z</dc:date>
    </item>
    <item>
      <title>Re: Amex - BCE APR Reduction 8.24%</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-BCE-APR-Reduction-8-24/m-p/4367880#M1251099</link>
      <description>Bam!! Good job!!👏👏</description>
      <pubDate>Thu, 10 Dec 2015 23:15:54 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-BCE-APR-Reduction-8-24/m-p/4367880#M1251099</guid>
      <dc:creator>baller4life</dc:creator>
      <dc:date>2015-12-10T23:15:54Z</dc:date>
    </item>
    <item>
      <title>Re: Amex - BCE APR Reduction 8.24%</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-BCE-APR-Reduction-8-24/m-p/4367888#M1251101</link>
      <description>&lt;P&gt;Another victory!&lt;/P&gt;</description>
      <pubDate>Thu, 10 Dec 2015 23:17:29 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-BCE-APR-Reduction-8-24/m-p/4367888#M1251101</guid>
      <dc:creator>CreditCuriosity</dc:creator>
      <dc:date>2015-12-10T23:17:29Z</dc:date>
    </item>
    <item>
      <title>Re: Amex - BCE APR Reduction 8.24%</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-BCE-APR-Reduction-8-24/m-p/4367923#M1251122</link>
      <description>&lt;P&gt;Thank you for your post, I just chatted with Amex and I got the same APR 8.24% including prime !!! Yessssssssss&lt;/P&gt;</description>
      <pubDate>Thu, 10 Dec 2015 23:42:29 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-BCE-APR-Reduction-8-24/m-p/4367923#M1251122</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2015-12-10T23:42:29Z</dc:date>
    </item>
    <item>
      <title>Re: Amex - BCE APR Reduction 8.24%</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-BCE-APR-Reduction-8-24/m-p/4367932#M1251124</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;@Anonymous wrote:&lt;BR /&gt;&lt;P&gt;Thank you for your post, I just chatted with Amex and I got the same APR 8.24% including prime !!! Yessssssssss&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;Yaaaaaaas, they gone thank we twins !!!! (In momma Klump's voice)&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;nice co grats.&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;What was your previous apr before they dropped it just now ?&lt;/P&gt;</description>
      <pubDate>Thu, 10 Dec 2015 23:47:04 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-BCE-APR-Reduction-8-24/m-p/4367932#M1251124</guid>
      <dc:creator>ScoreOrBeScored</dc:creator>
      <dc:date>2015-12-10T23:47:04Z</dc:date>
    </item>
    <item>
      <title>Re: Amex - BCE APR Reduction 8.24%</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-BCE-APR-Reduction-8-24/m-p/4367935#M1251127</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/775211"&gt;@ScoreOrBeScored&lt;/a&gt; wrote:&lt;BR /&gt;&lt;BLOCKQUOTE&gt;&lt;HR /&gt;@Anonymous wrote:&lt;BR /&gt;&lt;P&gt;Thank you for your post, I just chatted with Amex and I got the same APR 8.24% including prime !!! Yessssssssss&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;Yaaaaaaas, they gone thank we twins !!!! (In momma Klump's voice)&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;nice co grats.&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;What was your previous apr before they dropped it just now ?&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;It went from 10.24 % to 8.24% now ,,, everything is possible with Amex. Soon I will have less APR than Barclays Ring !!!&lt;/P&gt;</description>
      <pubDate>Thu, 10 Dec 2015 23:49:37 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-BCE-APR-Reduction-8-24/m-p/4367935#M1251127</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2015-12-10T23:49:37Z</dc:date>
    </item>
    <item>
      <title>Re: Amex - BCE APR Reduction 8.24%</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-BCE-APR-Reduction-8-24/m-p/4368100#M1251206</link>
      <description>&lt;P&gt;coooooooooooooooooooooooooooool! love seeing these, very inspiring!&lt;/P&gt;</description>
      <pubDate>Fri, 11 Dec 2015 02:19:36 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-BCE-APR-Reduction-8-24/m-p/4368100#M1251206</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2015-12-11T02:19:36Z</dc:date>
    </item>
    <item>
      <title>Re: Amex - BCE APR Reduction 8.24%</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-BCE-APR-Reduction-8-24/m-p/4368195#M1251273</link>
      <description>&lt;P&gt;Just lower my SPG from 15.99(org 17.24) to 13.24.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;No go on BCE, stay at 12.74(org 13.99), state it is one of the lowest APR available on BCE&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;It a moot point, who dare to carry balance on Amex anyway?&lt;/P&gt;</description>
      <pubDate>Fri, 11 Dec 2015 03:24:45 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-BCE-APR-Reduction-8-24/m-p/4368195#M1251273</guid>
      <dc:creator>noobody</dc:creator>
      <dc:date>2015-12-11T03:24:45Z</dc:date>
    </item>
    <item>
      <title>Re: Amex - BCE APR Reduction 8.24%</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-BCE-APR-Reduction-8-24/m-p/4368338#M1251343</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/594558"&gt;@noobody&lt;/a&gt; wrote:&lt;BR /&gt;&lt;P&gt;Just lower my SPG from 15.99(org 17.24) to 13.24.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;No go on BCE, stay at 12.74(org 13.99), state it is one of the lowest APR available on BCE&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;It a moot point, who dare to carry balance on Amex anyway?&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;They kept telling me the same thing since October when I hit 9%, that I had best rate possible for this card.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;i was even able to get my rate lowered on a card with 0% on it and didn't even have the card yet. ...lol&lt;/P&gt;</description>
      <pubDate>Fri, 11 Dec 2015 05:21:39 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-BCE-APR-Reduction-8-24/m-p/4368338#M1251343</guid>
      <dc:creator>ScoreOrBeScored</dc:creator>
      <dc:date>2015-12-11T05:21:39Z</dc:date>
    </item>
    <item>
      <title>Re: Amex - BCE APR Reduction 8.24%</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-BCE-APR-Reduction-8-24/m-p/4368350#M1251348</link>
      <description>Grats</description>
      <pubDate>Fri, 11 Dec 2015 05:37:12 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-BCE-APR-Reduction-8-24/m-p/4368350#M1251348</guid>
      <dc:creator>OmarGB9</dc:creator>
      <dc:date>2015-12-11T05:37:12Z</dc:date>
    </item>
    <item>
      <title>Re: Amex - BCE APR Reduction 8.24%</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-BCE-APR-Reduction-8-24/m-p/4368483#M1251399</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;@Anonymous wrote:&lt;BR /&gt;&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/775211"&gt;@ScoreOrBeScored&lt;/a&gt; wrote:&lt;BR /&gt;&lt;BLOCKQUOTE&gt;&lt;HR /&gt;@Anonymous wrote:&lt;BR /&gt;&lt;P&gt;Thank you for your post, I just chatted with Amex and I got the same APR 8.24% including prime !!! Yessssssssss&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;Yaaaaaaas, they gone thank we twins !!!! (In momma Klump's voice)&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;nice co grats.&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;What was your previous apr before they dropped it just now ?&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;It went from 10.24 % to 8.24% now ,,, everything is possible with Amex. Soon I will have less APR than Barclays Ring !!!&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;Just thinking that myself, congrats.&lt;/P&gt;</description>
      <pubDate>Fri, 11 Dec 2015 09:17:51 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-BCE-APR-Reduction-8-24/m-p/4368483#M1251399</guid>
      <dc:creator>Imperfectfuture</dc:creator>
      <dc:date>2015-12-11T09:17:51Z</dc:date>
    </item>
    <item>
      <title>Re: Amex - BCE APR Reduction 8.24%</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-BCE-APR-Reduction-8-24/m-p/4368722#M1251515</link>
      <description>&lt;P&gt;that's exciting. I have a 0% apr promo right now but I'll definitely ask for a reduction since my BCE apr is in the 18.99%.&amp;nbsp;&lt;/P&gt;</description>
      <pubDate>Fri, 11 Dec 2015 16:08:56 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-BCE-APR-Reduction-8-24/m-p/4368722#M1251515</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2015-12-11T16:08:56Z</dc:date>
    </item>
    <item>
      <title>Re: Amex - BCE APR Reduction 8.24%</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-BCE-APR-Reduction-8-24/m-p/4368810#M1251558</link>
      <description>&lt;P&gt;Congrats!&amp;nbsp; &lt;img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /&gt;&lt;/P&gt;</description>
      <pubDate>Fri, 11 Dec 2015 17:03:05 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-BCE-APR-Reduction-8-24/m-p/4368810#M1251558</guid>
      <dc:creator>galahad15</dc:creator>
      <dc:date>2015-12-11T17:03:05Z</dc:date>
    </item>
    <item>
      <title>Re: Amex - BCE APR Reduction 8.24%</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-BCE-APR-Reduction-8-24/m-p/4368838#M1251572</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/775211"&gt;@ScoreOrBeScored&lt;/a&gt; wrote:&lt;BR /&gt;&lt;P&gt;I'm just gone sit this right here.&amp;nbsp;&lt;/P&gt;&lt;P&gt;&lt;IMG src="https://ficoforums.myfico.com/t5/image/serverpage/image-id/17933i53A052FD95803DC6/image-size/original?v=mpbl-1&amp;amp;px=-1" border="0" alt="image.png" title="image.png" /&gt;&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;Thank you for this post. Just had a chat and got my APR lowered from 12.24 to 10.24. Never carry a balance, but I'll take it. This was on my BCP.&lt;/P&gt;</description>
      <pubDate>Fri, 11 Dec 2015 17:33:55 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-BCE-APR-Reduction-8-24/m-p/4368838#M1251572</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2015-12-11T17:33:55Z</dc:date>
    </item>
    <item>
      <title>Re: Amex - BCE APR Reduction 8.24%</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-BCE-APR-Reduction-8-24/m-p/4368993#M1251640</link>
      <description>&lt;P&gt;Figured I'd give it a shot also.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Delta-&amp;nbsp; 6.24 plus prime was at 11.99 plus prime&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;BCP-&amp;nbsp; 8.24 plus prime was at 15.24 plus prime.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Good day on Amex reductions &lt;img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /&gt;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;</description>
      <pubDate>Fri, 11 Dec 2015 18:49:02 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-BCE-APR-Reduction-8-24/m-p/4368993#M1251640</guid>
      <dc:creator>jason86423</dc:creator>
      <dc:date>2015-12-11T18:49:02Z</dc:date>
    </item>
    <item>
      <title>Re: Amex - BCE APR Reduction 8.24%</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-BCE-APR-Reduction-8-24/m-p/4369724#M1251915</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/775211"&gt;@ScoreOrBeScored&lt;/a&gt; wrote:&lt;BR /&gt;&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/594558"&gt;@noobody&lt;/a&gt; wrote:&lt;BR /&gt;&lt;P&gt;Just lower my SPG from 15.99(org 17.24) to 13.24.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;No go on BCE, stay at 12.74(org 13.99), state it is one of the lowest APR available on BCE&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;It a moot point, who dare to carry balance on Amex anyway?&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;They kept telling me the same thing since October when I hit 9%, that I had best rate possible for this card.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;i was even able to get my rate lowered on a card with 0% on it and didn't even have the card yet. ...lol&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;What! Really? &amp;nbsp;I'd much prefer my ED have 9.5% apr rather than my delta gold.... I think my ED is 17 or something, but they told me I could not lower it until it was out of its promo, as did capital one. &amp;nbsp;I will try again!&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;I Just chat with two different folks and they both said there is no protocol to do this. Ah well.&lt;/P&gt;</description>
      <pubDate>Sat, 12 Dec 2015 03:12:03 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-BCE-APR-Reduction-8-24/m-p/4369724#M1251915</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2015-12-12T03:12:03Z</dc:date>
    </item>
    <item>
      <title>Re: Amex - BCE APR Reduction 8.24%</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-BCE-APR-Reduction-8-24/m-p/4369750#M1251928</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;@Anonymous wrote:&lt;BR /&gt;&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/775211"&gt;@ScoreOrBeScored&lt;/a&gt; wrote:&lt;BR /&gt;&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/594558"&gt;@noobody&lt;/a&gt; wrote:&lt;BR /&gt;&lt;P&gt;Just lower my SPG from 15.99(org 17.24) to 13.24.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;No go on BCE, stay at 12.74(org 13.99), state it is one of the lowest APR available on BCE&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;It a moot point, who dare to carry balance on Amex anyway?&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;They kept telling me the same thing since October when I hit 9%, that I had best rate possible for this card.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;i was even able to get my rate lowered on a card with 0% on it and didn't even have the card yet. ...lol&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;What! Really? &amp;nbsp;I'd much prefer my ED have 9.5% apr rather than my delta gold.... I think my ED is 17 or something, but they told me I could not lower it until it was out of its promo, as did capital one. &amp;nbsp;I will try again!&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;I Just chat with two different folks and they both said there is no protocol to do this. Ah well.&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;I got approved for a Amex card 10/31/15 with 0% for 9 months. 3 days later I got on chat and asked for a apr reduction&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;and they took me from 17.24% to 15.24% and hadn't even recieved the card yet. Pretty sweet&amp;nbsp;&lt;/P&gt;</description>
      <pubDate>Sat, 12 Dec 2015 03:27:31 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-BCE-APR-Reduction-8-24/m-p/4369750#M1251928</guid>
      <dc:creator>ScoreOrBeScored</dc:creator>
      <dc:date>2015-12-12T03:27:31Z</dc:date>
    </item>
    <item>
      <title>Re: Amex - BCE APR Reduction 8.24%</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-BCE-APR-Reduction-8-24/m-p/4369764#M1251936</link>
      <description>&lt;P&gt;They won't lower me from 22.99% and my limit is currently over 34k, lol.&lt;/P&gt;</description>
      <pubDate>Sat, 12 Dec 2015 03:38:37 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Amex-BCE-APR-Reduction-8-24/m-p/4369764#M1251936</guid>
      <dc:creator>Involver</dc:creator>
      <dc:date>2015-12-12T03:38:37Z</dc:date>
    </item>
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