maharshi
The only way to get the 9.95 % APR is to product change to the low APR card or apply for it. Blame it on user error for me not applying for the low rate card. Oh well. I am not ready to make the switch at this time since I just got the card.
I called and the representative said that they allow product changes at any time. Product changes are done by calling in. No hard pull is needed for product changes is what I was told. I do have some big expenses coming up and I will do the PC prior to those expenses.