2nd AMEX APR reduction in 4 days

[AvadaKedavra]

Just chatted and got my APR down to 17.24 on my ED hehe

[resilient]

Awesome! They're on point tonight!

[Repairman]

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@lhcole77 wrote:

App'ed for SPG on 8.14 and instant approval. $2000 CL at 19.24%

Contacted them via online chat 8.17. APR reduced to 16.24%.

Contacted them via online chat 8.21. APR reduced to 13.24%.

And moved $8K over from Delta.

 I'm a firm believer that just because I get approved at one APR doesn't mean that it's going to stay there.  Back in March I did four APR reductions in four days with Citi.

Let the fun begin!

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I applied and got approved at around the same time, for the same card, and received the same APR. What exactly did you say during the chat? And how fast/willing was the agent able to assist you? I'd love to do the same.

[Repairman]

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@lhcole77 wrote:

App'ed for SPG on 8.14 and instant approval. $2000 CL at 19.24%

Contacted them via online chat 8.17. APR reduced to 16.24%.

Contacted them via online chat 8.21. APR reduced to 13.24%.

And moved $8K over from Delta.

 I'm a firm believer that just because I get approved at one APR doesn't mean that it's going to stay there.  Back in March I did four APR reductions in four days with Citi.

Let the fun begin!

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Also, what does your Experian score look like?

[Repairman]

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@taxi818 wrote:
I don't know what op did. But I said 3 days ago. I would like ape reduction. As I might carry balance. My credit is much better from approval time. They replied. Congrats. Your are eligible. And dropped 2% points off.

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Nice! Congrats!

[Repairman]

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@lhcole77 wrote:

App'ed for SPG on 8.14 and instant approval. $2000 CL at 19.24%

Contacted them via online chat 8.17. APR reduced to 16.24%.

Contacted them via online chat 8.21. APR reduced to 13.24%.

And moved $8K over from Delta.

 I'm a firm believer that just because I get approved at one APR doesn't mean that it's going to stay there.  Back in March I did four APR reductions in four days with Citi.

Let the fun begin!

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I still haven't received my card yet. Do you think I should wait until I activate it, to request the APR reduction via chat?

[lhcole77]

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@Repairman wrote:

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I still haven't received my card yet. Do you think I should wait until I activate it, to request the APR reduction via chat?

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I got the first reduction before card arrived. Got second minutes after activating it. I said, " can you please check to see if we can lower the APR on my new SPG card? My Delta is 6% lower." 

EX 721

[WLRK11]

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@lhcole77 wrote:

App'ed for SPG on 8.14 and instant approval. $2000 CL at 19.24%

Contacted them via online chat 8.17. APR reduced to 16.24%.

Contacted them via online chat 8.21. APR reduced to 13.24%.

And moved $8K over from Delta.

 I'm a firm believer that just because I get approved at one APR doesn't mean that it's going to stay there.  Back in March I did four APR reductions in four days with Citi.

Let the fun begin!

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Congrats!!! I've been trying for a while with my SPG (my main card for spend overall) and they haven't budget yet. I'm already lower than the advertised rate, but it's good to know it can go lower. Thank you for sharing!

[Repairman]

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@kdm31091 wrote:

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@taxi818 wrote:

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@lhcole77 wrote:

App'ed for SPG on 8.14 and instant approval. $2000 CL at 19.24%

Contacted them via online chat 8.17. APR reduced to 16.24%.

Contacted them via online chat 8.21. APR reduced to 13.24%.

And moved $8K over from Delta.

 I'm a firm believer that just because I get approved at one APR doesn't mean that it's going to stay there.  Back in March I did four APR reductions in four days with Citi.

Let the fun begin!

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What??? This is unreal. I just got reduced 3 days ago from 19.24 to 17.24. You're saying a new chat rep can't see I was just reduced? And I can ask again?  Maybe I try again in month 

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For me, I've never had luck more often than every couple months. OP got lucky, but I think generally, they can see if you recently recieved a reduction. While I don't know what their policy on "recently" is, I'm not going to draw too much attention to myself by constantly asking. They lowered me to 13.24% a couple weeks ago. Good enough for a rewards card for now. I'll try again at the end of the year or beginning of 2016 or something.

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What was your Experian score at the time of the APR reduction?

[Repairman]

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@taxi818 wrote:
I don't know what op did. But I said 3 days ago. I would like ape reduction. As I might carry balance. My credit is much better from approval time. They replied. Congrats. Your are eligible. And dropped 2% points off.

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What;s your Experian score?