AMEX APR Reduction!

alkaline · ‎06-02-2016

Just got off live chat with AMEX... Another APR reduction! Haven't been able to get one the past couple of months so this is nice!

Berk · ‎06-02-2016

I don't even know what my APR is.....

galahad15 · ‎06-02-2016

Congrats!!

BEFCU Platinum Plus VISA @ 5.49% F with 1% rewards, $4k

AOD FCU VS @ 7.49% F with 3% rewards, $7.5k

PACU Premier Privileges Rewards MC @ 7.50% F with 1.5% rewards, $20k

Unify FCU Fixed-Rate VISA Platinum @ 8.99% F, $25k

BoA Customized Cash Rewards WMC @ 9.99% F with 3.3%/2.2% category rewards, $50k

Unify FCU Variable-Rate VISA Platinum @ 10.24% V, $15k

EPFCU Smart Rewards MC @ 10.75% V with 1% rewards, $6.5k

FNBO BucksBack VS @ 11.5% V with 1.5% rewards, $85k

Andrews FCU Titanium Rewards VS @ 12.99% V with 3%/1.5% rewards, $5k

Cap1 Venture MC @ 15.15% V with no AF, 2% rewards, $9k

BoA Travel Rewards VS @ 15.24% V, $17.6k

BoA Customized Cash Rewards WMC @ 17.24% V with 3%/2% category rewards, $14.3k

Redstone FCU VS @ 17.25% V with 5%/3%/1.5% rewards, $10k

AAA Daily Advantage VS @ 18.74% V with 5%/3% category rewards, $10k

PenFed Pathfinder Rewards VS @ 18.99% V with no AF, 4x/1.5x rewards points/dollar, $12.5k

BoA Customized Cash Rewards WMC @ 19.24% V with 3%/2% category rewards, $20.4k

Citi Custom Cash WEMC @ 19.24% V with 5% category rewards, $39.32k

Amazon Prime VS @ 19.49% V with 5% category rewards, $35k

PayPal CashBack MC @ 19.74% V with 3% on all PayPal purchases/2% on all other purchases, $25k

US Bank Cash+(x2) @ 20.24% V with 5% category rewards, $32k

Wells Fargo Autograph VISA @ 20.49% V with 3% category rewards, $12.5k

FNBO BucksBack VS @ 21.24% V with 2% rewards, $23.5k

Citi Custom Cash WEMC @ 22.24% V with 5% category rewards, $5k

Amex BCE @ 23.49% V with 3% category rewards, $3k

WF Bilt WEMC @ 24.49% V with 3% dining rewards, $30k

Anonymous · ‎06-02-2016

Congrats!!

I need to try this on my Amex original Blue Cash. This is my highest APR card currently. Going to try tonight.

ScoreOrBeScored · ‎06-02-2016

Nice.... My BCE is at 6.74% and I can't seem to get it lower than that. I keep trying each month

alkaline · ‎06-02-2016

@ScoreOrBeScored wrote:
Nice.... My BCE is at 6.74% and I can't seem to get it lower than that. I keep trying each month

Nice. Usually when they decrease my APR it's a 1-3% reduction... only 0.5% this time makes me wonder if we've reached rock bottom.

I wonder what their criteria are for APR reductions anyway...

Bman70 · ‎06-02-2016

Nice, but do you ever pay any interest on the card?

@alkaline wrote:
Just got off live chat with AMEX... Another APR reduction! Haven't been able to get one the past couple of months so this is nice!

EX 822
TU 834
EQ 820

alkaline · ‎06-03-2016

@Bman70 wrote:
Nice, but do you ever pay any interest on the card?

Nope! But you never know... best to be prepared

RonM21 · ‎06-05-2016

Congrats!

Total CL: $321.7k

UTL: 2%

AAoA: 7.0yrs

Baddies: 0

Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

Anonymous · ‎07-20-2016

@alkaline wrote:
@ScoreOrBeScored wrote:
Nice.... My BCE is at 6.74% and I can't seem to get it lower than that. I keep trying each month
Nice. Usually when they decrease my APR it's a 1-3% reduction... only 0.5% this time makes me wonder if we've reached rock bottom.

I wonder what their criteria are for APR reductions anyway...

What are your stats at the time of APR reduction?

How long after intro apr wears off can you ask for reduction?