American Express: APR Reduction Success

[PrimeRate]

15 months @ 0% promo just ran out on my American Express Everyday card. Even though this card usually sits in the SD & I rarely carry a balance, I figured I'd reach out to see if  there was an APR reduction offer. My card was sitting at 18.99% since the promo ended just 2 days ago. Below is my result. 

This was as painless a process as they come. I know AMEX catches its flack for some clueless CSR's, but they've been on a roll with me lately. They've been top notch over the last year. They also just manually applied my AFC on my PRG since it was over a month and no credit had posted. Kudos AMEX.

To anyone out there with an APR over 12.99% give AMEX a chat, it's worth a shot. Have a great weekend everyone. 

[newhis]

Thank you, good information. I guess I'll wait until the promo ends.

[Anonymous]

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@PrimeRate wrote:

@Anonymous months @ 0% promo just ran out on my American Express Everyday card. Even though this card usually sits in the SD & I rarely carry a balance, I figured I'd reach out to see if  there was an APR reduction offer. My card was sitting at 18.99% since the promo ended just 2 days ago. Below is my result. 

This was as painless a process as they come. I know AMEX catches its flack for some clueless CSR's, but they've been on a roll with me lately. They've been top notch over the last year. They also just manually applied my AFC on my PRG since it was over a month and no credit had posted. Kudos AMEX.

To anyone out there with an APR over 12.99% give AMEX a chat, it's worth a shot. Have a great weekend everyone. 

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NICE!!!!

[Anonymous]

Congrats on the reduction!

[Anonymous]

Thanks for reminding me I had been meaning to check on this---your were correct less than 10 minutes via online chat and they lowered my APR.   

[nursepower]

Thanks for posting this! I didn't know amex had a chat. I just chatted and got APR reduction from 12.99 to 10.74....Thank you!

[Anonymous]

Awesome news!

I did the same and my Delta card was lowered 3%, still have the 0% on Everyday so didn't bother asking.

Thanks for sharing!

[CreditCuriosity]

Ugh forgot to do this on my Hhonors Account you motivated me to ask!  only had account 35 days... Thank you OP .. Did this on my Delta about 3-4 months back.. Will do on ED as well when 0% apr is over

We are changing your standard APR for Purchases from a rate of
Prime+15.99% , which is currently 19.24% to a rate of
Prime+12.99%, which is currently 16.24%.

The rate will vary with the market based on the Prime rate as described in your Cardmember Agreement.

This change will be effective beginning from the first day of your current billing period.

Do I have your permission to make this change to your account?

[Anonymous]

Good job on the APR reduction..

[9CLINE]

Way 2 Go !!!!!!!!!