AMEX APR% reduction ..

[lhcole77]

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@CreditCuriousity wrote:

Dang I am Jelly...I should try since I created it lol...  Doubt they will do it when one card is still on 0% apr.. guess I can try on my Delta card or that a set APR% for anyone?

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Delta is published at 15.24% but they took mine down to 12.24%

GO FOR IT!!!!

[CreditMagic7]

congrats. lowe apr is always a bonus.

[Anonymous]

Congrats. I like how amex (and discover) chat reps tend to be much more personal and improvisational than other issuers.

citi and cap1 are like talking to robots...

[Anonymous]

You've inspired me.

I am off today sick and this gives me a distraction from my FIA debacle.

[CreditCuriosity]

Ya don't have a discover card, but really always have very pleaseant conversations with AMEX CSR's by chat.. Usually shoot the crud a bit before getting to business about the weather, sports, etc...  They aren't robots which is a nice refreshing change for sure!

[CreditCuriosity]

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@Anonymous wrote:

You've inspired me.

I am off today sick and this gives me a distraction from my FIA debacle.

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Never hurts to ask, I bet you money you will get it!  Please report back in this thread...  I have only been with them since Dec 11 2014, granted backdated to 1990 lol..  Good luck!

[lg8302ch]

Is this the one you were looking for?

http://ficoforums.myfico.com/t5/Credit-Cards/AMEX-Apr-reduction/m-p/3905167#M1090348

[NRB525]

Congratulations!

This is a good exercise to try, even if one does not usually carry a balance, because the recent sets of 12-month APR holidays use that base rate to figure the holiday rate. For example 19.24 went to 6.99, the 17.24 to 4.99, 15.24 to 2.99 so it's worth the gardening effort to try to get that standard rate down.

I asked for an APR reduction after the Holiday rate went in effect, and they told me I had to check back after that year had expired, which means December 2015 I can ask for the APR.

[Anonymous]

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@Anonymous Representative wrote:

: Your APR for new purchases is a variable rate, currently 14.24% Your APR for Cash Advances is a variable rate, currently 25.24%.

: I have checked and currently your account is at the most competent APR offered by American Express. So, the system does not allow a lower APR at the moment.

: However, I am placing a note on the account about your request to lower APR for review. We review accounts periodically. So, you can check back with us later to see if there is a lower APR available for you.

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 .....Gee thanks.

[lg8302ch]

Nice ... maybe I should try again myself...

edit: just tried and as soon as I asked the question if my account would be eligible for an APR reduction I got kicked out of chat.. a bummer.. I guess it  would have been no anyhow