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Amex APR Reduction

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trant3
Established Contributor

Amex APR Reduction

Small win for me but figured I'd share, requested via chat with Amex to reduce my current APR which is 14.50 %, the CSR took about 2-3 minutes came back and said she was able to reduce it down to 10.24 %! Awesome.

Amex Bonvoy Brilliant $5k, Expedia OneKey $30k, Fidelity $23.5k, FNBO $15k, Universal Studios Visa $15k, G-Bank $15k, Mesa Homeowners Visa $20k, FourLeaf FCU $35k, US Bank Cash+ 15k, US Bank Alt. Reserve $16k, Affinity FCU $10k, Sofi $15k, Venmo Visa $15k, AAA $11.9k, Apple $8.5k, Citi Custom Cash $19k, Citi Double Cash $16k, Citizens Bank Cash Plus $11k, Chase Amazon $3k, Chase Flex $13.6k, Chase IHG $1k, AMEX Hilton Aspire $18k, Chase Freedom $41.5k, NFCU Plat $50k, NFCU Flagship $30k, Discover IT $36.5k, Discover Miles $20k, BECU Visa $40k, Wells Fargo Active $11.3k, PenFed Promise $15k, PenFed Gold $20k, BoA AmeriCard $14k, BoA Cash $14k, Citi SYWM $1k
Message 1 of 13
12 REPLIES 12
Anonymous
Not applicable

Re: Amex APR Reduction


@trant3 wrote:

Small win for me but figured I'd share, requested via chat with Amex to reduce my current APR which is 14.50 %, the CSR took about 2-3 minutes came back and said she was able to reduce it down to 10.24 %! Awesome.


Nice APR reduction Smiley Wink

Message 2 of 13
I-think-I-can
Valued Contributor

Re: Amex APR Reduction

That's great! Congrats! Smiley Happy

Starting Scores 2/13/15: EQ 635 EX 674 TU 684 ////7/16/15 Scores: EQ 661 EX 669 TU 703 //// 2/15/16 Scores EQ 652 EX 647 TU 756 //// 3/24/16 Scores: EQ 661 EX 649 TU 773 //// EQ 670 EX 653 TU 768 (EQ And EX still tainted)
Goal Scores: 760 across the board
Message 3 of 13
alextercero
Super Contributor

Re: Amex APR Reduction

Nice! Congrats

Current Credit Cards



Currently rebuilding as of (May 2021)

Current Fico Scores 8/9: (December 2024)


Credit Age:

Inquiries:

Message 4 of 13
Themanwhocan
Senior Contributor

Re: Amex APR Reduction


@trant3 wrote:

Small win for me but figured I'd share, requested via chat with Amex to reduce my current APR which is 14.50 %, the CSR took about 2-3 minutes came back and said she was able to reduce it down to 10.24 %! Awesome.


Did you call 800-528-4800 ?





TU-8: 804 EX-8: 805 EQ-8: 788 EX-98: 767 EQ-04: 752    
TU-9 Bankcard: 837 EQ-9: 823 EX-9 Bankcard: 837
Total $443,800
Message 5 of 13
trant3
Established Contributor

Re: Amex APR Reduction

Requested via chat

Amex Bonvoy Brilliant $5k, Expedia OneKey $30k, Fidelity $23.5k, FNBO $15k, Universal Studios Visa $15k, G-Bank $15k, Mesa Homeowners Visa $20k, FourLeaf FCU $35k, US Bank Cash+ 15k, US Bank Alt. Reserve $16k, Affinity FCU $10k, Sofi $15k, Venmo Visa $15k, AAA $11.9k, Apple $8.5k, Citi Custom Cash $19k, Citi Double Cash $16k, Citizens Bank Cash Plus $11k, Chase Amazon $3k, Chase Flex $13.6k, Chase IHG $1k, AMEX Hilton Aspire $18k, Chase Freedom $41.5k, NFCU Plat $50k, NFCU Flagship $30k, Discover IT $36.5k, Discover Miles $20k, BECU Visa $40k, Wells Fargo Active $11.3k, PenFed Promise $15k, PenFed Gold $20k, BoA AmeriCard $14k, BoA Cash $14k, Citi SYWM $1k
Message 6 of 13
FocusedAndDetermined
Senior Contributor

Re: Amex APR Reduction

Good work - congrats!

Message 7 of 13
12njoy
Super Contributor

Re: Amex APR Reduction


@Themanwhocan wrote:

@trant3 wrote:

Small win for me but figured I'd share, requested via chat with Amex to reduce my current APR which is 14.50 %, the CSR took about 2-3 minutes came back and said she was able to reduce it down to 10.24 %! Awesome.


Did you call 800-528-4800 ?


Congrats OP.  Themanwhocan, you can call the number on the back of your card and they can process for you as well.  I got mine lowered some months ago (not as hefty as OP) from 17.9 to 13.9%.

(Formerly known as: Credit is my hobby (1.7M)/TCL objective)
___________ 12Njoy
FICO - EX 825; EQ 807; TU 810 I'm climbing back to 800+
Message 8 of 13
Anonymous
Not applicable

Re: Amex APR Reduction

Congrats on the reduction!

Message 9 of 13
Themanwhocan
Senior Contributor

Re: Amex APR Reduction


@12njoy wrote:

@Themanwhocan wrote:

@trant3 wrote:

Small win for me but figured I'd share, requested via chat with Amex to reduce my current APR which is 14.50 %, the CSR took about 2-3 minutes came back and said she was able to reduce it down to 10.24 %! Awesome.


Did you call 800-528-4800 ?


Congrats OP.  Themanwhocan, you can call the number on the back of your card and they can process for you as well.  I got mine lowered some months ago (not as hefty as OP) from 17.9 to 13.9%.


My Amex BCE started at the lowest advertized APR. I tried for an APR reduction via chat a week or so ago, and when they couldnt do it they referred me to call that number because they can reduce APR below the advertized range. So, since the OP's APR was reduced so low, I wondered if he called the special number.





TU-8: 804 EX-8: 805 EQ-8: 788 EX-98: 767 EQ-04: 752    
TU-9 Bankcard: 837 EQ-9: 823 EX-9 Bankcard: 837
Total $443,800
Message 10 of 13
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