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2nd AMEX APR reduction in 4 days

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Repairman
Established Contributor

Re: 2nd AMEX APR reduction in 4 days


@resilient wrote:

I just chatted and got my two cards down to 15.24% from 19.24%! Thanks for the head's up!


What's your Experian score like?

Message 31 of 93
lhcole77
Valued Contributor

Re: 2nd AMEX APR reduction in 4 days

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

Message 32 of 93
Repairman
Established Contributor

Re: 2nd AMEX APR reduction in 4 days


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


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.

Message 33 of 93
Aarvard
Established Contributor

Re: 2nd AMEX APR reduction in 4 days

I got 2 APR reduction in 2 consequent days. From 16.24% to 13.24% to 10.24% Smiley Very Happy

03/25/2015 TU 08 765, EX 08 747, EQ 08 757, EQ 04 754.
01/30/2016 TU 08 775, EX 08 752, EQ 08 744
Goal: 780+ across all models.
Message 34 of 93
resilient
Established Contributor

Re: 2nd AMEX APR reduction in 4 days

779.
Amex Platinum Amex PRG Amex Hilton Surpass ($7k) Citi AAdvantage WEMC ($20k) Citi Hilton Honors VS ($6.8k) Dillard's Amex ($7.5k) Discover it ($6.5k) FNBO Chrysler MC ($30k) Military Star Card ($4.8k) Nordstrom VS ($25k) PenFed Power Cash Rewards VS ($20.5k) Ritz-Carlton VI ($54.5k) Starwood Preferred Guest Amex ($10k) Susan G. Komen WMC ($38k) Kinetic CU Visa ($10k) US Bank Cash + VS ($16k) Sears MC ($6k) USAA Limitless VS ($15k) Walmart MC ($7.5k) AAdvantage Aviator Silver WEMC ($11.3k)
Message 35 of 93
SunriseEarth
Moderator Emeritus

Re: 2nd AMEX APR reduction in 4 days


@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!


You inspired me to ask again!   When my 0% promo period on BCE ended in early June, I was able to drop the APR from 18.99% to 16.99%.   Today, I went down to 14.99%!   I'm very pleased with this result.  



Start: 619 (TU08, 9/2013) | Current: 809 (TU08, 3/05/24)
BofA CCR WMC $75000 | AMEX Cash Magnet $64000 | Discover IT $46000 | Disney Premier VS $43600 | Venmo VS $30000 | NFCU More Rewards AMEX $25000 | Macy's AMEX $25000 Store $25000 | Cash+ VS $25000 | Altitude Go VS $25000 | Synchrony Premier $24,200 | Sony Card VS $23750 | GS Apple Card WEMC $22000 | WF Active Cash VS $18,000 | Jared Gold Card $16000 | FNBO Evergreen VS $15000 | Citi Custom Cash MC $14600 | Target MC $14500 | BMO Harris Cash Back MC $14000 | Amazon VS $12000 | Freedom Flex WEMC $10000 | Belk MC $10000 | Wayfair MC $4500 ~~
Message 36 of 93
maleck15
Established Member

Re: 2nd AMEX APR reduction in 4 days

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?

Message 37 of 93
lhcole77
Valued Contributor

Re: 2nd AMEX APR reduction in 4 days


@Repairman wrote:

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


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.


Ask now. If they say no, ask later. 

Message 38 of 93
lhcole77
Valued Contributor

Re: 2nd AMEX APR reduction in 4 days


@Aarvard wrote:

I got 2 APR reduction in 2 consequent days. From 16.24% to 13.24% to 10.24% Smiley Very Happy


YAYYYYYYYYYY!

Message 39 of 93
lhcole77
Valued Contributor

Re: 2nd AMEX APR reduction in 4 days


@SunriseEarth wrote:

@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!


You inspired me to ask again!   When my 0% promo period on BCE ended in early June, I was able to drop the APR from 18.99% to 16.99%.   Today, I went down to 14.99%!   I'm very pleased with this result.  


YAYYYYYYYYYYYYYY!

Message 40 of 93
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