2nd AMEX APR reduction in 4 days

[lhcole77]

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@maleck15 wrote:

You were right. I went from 19.24 to 16.99 on Saturday on my Delta. I tried again last night and when to 14.99. Should I tried again?

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You could. Doesn't hurt. If they say no then I would try again in 3-6 months.

My Delta's at 10.24 and I have read others as low as 8.24 so it can be done. That low may take time though. Time and good use.

[Anonymous]

Last week I got reductions on my two cards. One was 12.00% and 13.99%. I was not happy with either. I am now inspired to get my new reduction come 8/25 when my statement resets. I want 10.24% like others. I feel cheated.

[csryang]

Called and got my APR reduced couple weeks ago. 

I received secured message today stating that it was incorrectly done and they changed it into a lower promotional APR only for 1 year instead of a permernant reduction. WTH...

Guys- make sure to check it's introductory/promotional APR reduction vs permernant reduction...

[Repairman]

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@lhcole77 wrote:

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@Repairman wrote:

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@lhcole77 wrote:
Repairman: have you asked yet? And are you concerned about your EX score.

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I have not asked yet as AMEX is showing my Experian scores from June and July 25th, and my score is higher now. I plan on waiting until they update my score on August 25th to ask.

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Ask now. If they say no, ask later. 

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Thanks for the advice. I pulled the trigger and asked, and like for you, the rep lowered me from 19.24 to 16.24! Now, also like you, I'm going to try again in 4 days and hope I I continue to have your results! Keep your fingers crossed!!!

[lhcole77]

Good work, repairman. 

[iCoop]

I have two active accounts with American Express both with purchase APR's of 6.24% (Prime + 2.99%). I have received both confirmation letters in the mail that American Express sends when your APR is changed. I do not believe they will go any lower than this but of course I may be wrong.

So for those with any APR higher than this keep trying. If not all they will do is say no.

[lhcole77]

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@iCoop wrote:

I have two active accounts with American Express both with purchase APR's of 6.24% (Prime + 2.99%). I have received both confirmation letters in the mail that American Express sends when your APR is changed. I do not believe they will go any lower than this but of course I may be wrong.

So for those with any APR higher than this keep trying. If not all they will do is say no.

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Sweet! I knew I had read of lower APRs. I'll get there one day.

Got my letters in the mail too that my rates are not promotional. 

[itguy_65]

I have Delta Reserve and SPG, I have now gotten Amex to drop both to 9.24%.  Will keep trying for that 6.24%!

[maleck15]

I went ahead and tried again and was able to lower it again to 13.74.  I  will wait awhile to try again.

[Anonymous]

When my 0% periods expire on my cards I will definitely be asking for reductions. I think all of mine are above 20%