Amex APR Reduction Success, twice

[scottwagnon]

updated post ; oh i am tearing it up in here!

BofA 12.99>10.99

Citi 19.99>pc to 14.24>11.24

discover - 19.99>18.24>16.24

amex blue cash everyday 19.24>18.24>10.24

amex hilton hhonors 15.24>12.24

wells fargo 15.56

amex pr gold epo 18.24

hooters 16.45

chase 14.99 (promo at 0 until september)

smc733 looks like im tied with you! its on!

[scottwagnon]

bump

[Anonymous]

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@scottwagnon wrote:

updated post

BofA 12.99>10.99

citi - failed attempt; still at 14.24 started at 19.99 with promo; got 14.24 when i pc'd to dividend

discover - 19.99>18.24>16.24

amex blue cash everyday 19.24>18.24>10.24

amex hilton hhonors 15.24>12.24

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That is great to see that you can go past these "minimum" APRs. If I am able to get the BCE to your APR I would be satisfied if died at that moment .

[scottwagnon]

success again with citi. im tearing up in heeaaare!

[lhova2000]

I tried to get Amex to reduce my rate and they told me to wait 2 months even though I use the card heavy, pay it off on time and I've had the card for about 2 years. Current rate of 22%. If they don't lower I'll stop using my BCE card. I'm going to try to lower my discover and bofa cash cards and keep you all updated.

[flowfaster]

So has anyone else gotten Amex to lower your APR while still under the 0% promotional period?

[tk_0014]

Just got my American express Bluecash everyday. Not pleased with the APR since my BofA platinum is at 9.99% Sure it has a small AF but.....

I'm a new AMEX holder and I understand they probably don't really trust me yet. 21.99% and opening CL of 1000. Planning to do a 3x CLI after 61 days to get me to where I can use this card for bills and purchases etc. Amex says my FICO was 734 when they opened the account. Should I ask for APR reduction at the same time as CLI or wait till my promo rate is closer to expiring?

I pretty much have to PIF this card anyway to stay in good graces with AMEX, but the interest bugs me. Chase freedom has me pegged at a high rate and won't even consider a drop. Definitely not carrying a balance there either.

[Anonymous]

My Amex BCE came with a 12.99% APR.  When my 0% promo expires in August 2014, I'll request a rate reduction.  I'll do the same thing with my discover at 13.99%.  Those really aren't bad interest rates for my relatively new revolving credit history.

[crunching_numbers]

Well, this thread reminded and inspired me.

Amex Hilton Hhonors Surpass  15.24% => 12.24%

[SteveCi]

This thread is so exciting! I'm happy for all of you which successfully receieved an APR reduction... I'll bookmark this for the future!

EDIT: I just received my BCE in the mail today! It has an Intro APR of 0% until August 2014, then following 12.99%

Could I get this reduced to 9.99? Has anyone tried yet