@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.
Nice. Your scores certainly warrant it.
@PrimeRate wrote:As a follow up to my OP; I initiated another chat today with a rep who lowered my APR to 7.24 including (not +) prime
. I am waiting for my next bill to generate to confirm this number, but at this rate this makes my Everyday card incredibly useful in the case that I'd ever need to carry a balance.
Happy Friday, Have a Great Weekend!
Also very nice. 
@NRB525 wrote:
@CreditCuriousity wrote: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?
I've had my Hilton HHonors card for two payments in full, so I went on the PC chat.
Sophie was helping me, going to check whether the card could get an APR reduction, and I got a blue screen of death.
Rebooted. Ricky was helping me, going to check whether the card could get an APR reduction, and I got a blue screen of death.
Proceeded to get 5 or 6 blue screens of death, just trying to get through basic functionality, not even able to figure out anything on line before BSOD.
So I called AMEX on this old technology called an iPhone and got 19.24% --> 17.24%. Not the best, but a small win.
This is being typed on my secondary PC, an old laptop (which is not in bad condition) while I work on figuring out why my main PC can't seem to keep breathing more than 5 minutes.
First off I got my PC technical issues fixed. There was some conflict with a recent update, and my video driver was out of date. So I've got that going for me.
I was able to use the AMEX chat, and got another APR reduction on my HHonors card, to 15.74%.
First charge April 29.
Met the $1k spend by June 12.
First APR reduction July 10 from 19.24 to 17.24
APR reduction today August 9 from 17.24 to 15.24. I think I'll leave it there, to see if any 12-month promo rates come along, since that could potentially be 2.99% for a year.
My latest payment posted August 7.
The Delta card has to wait until November to ask for an APR reduction because it is on one of those promo rates until then.
