Amex APR reduction?

[youngandcreditwrthy]

The way it's looking, I might still owe $2-3k on my $24.5k BCE when the 0% expires. It's nbd, Amex can have a little interest income. I figure I'll just make $500-$1000 payments til that's paid. Every time I call, they comment on how stellar my payment history is; take note Chiti and Barclay's!

When my Oct 13,2013 0% expires, I would like to get an APR reduction though.
Currently, my purchase apr is 22.24%. I still don't understand how I got the highest on BCE and the lowest APR of 15.24% on Delta heh. Maybe something to do with their internal score?
For those of you who maybe had the higher apr on BCE, was it relatively easy to get it reduced?
A high APR, regardless of pif, will discourage me from using any credit product. There is always the possibility you may need to carry a balance, and I will not pay 20%+ for more than a couple months.

What's the best way to get an APR reduction?
So far, I've called Amex, Chase, and Barclay's-
All of those accounts have some type of promo or another, and so the standard purchase apr hasn't really come into play, BUT none of them would hear of an APR reduction.
Funny how my old WAMU card still has a 9.24% but is unusable lol due to my own closure in 09.
Any advice is appreciated. Simple fact is: if Chase and Barclay's can't reward me for $10-20k in spend on their cards, large pmts, and no defaults- I just won't use my Freedom card or my Trav Amex.
I really wish Amex/Discover had more acceptance and lower merchant fees cause then I really could use them for every purchase!

[Anonymous]

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@youngandcreditwrthy wrote:
The way it's looking, I might still owe $2-3k on my $24.5k BCE when the 0% expires. It's nbd, Amex can have a little interest income. I figure I'll just make $500-$1000 payments til that's paid. Every time I call, they comment on how stellar my payment history is; take note Chiti and Barclay's!

When my Oct 13,2013 0% expires, I would like to get an APR reduction though.
Currently, my purchase apr is 22.24%. I still don't understand how I got the highest on BCE and the lowest APR of 15.24% on Delta heh. Maybe something to do with their internal score?
For those of you who maybe had the higher apr on BCE, was it relatively easy to get it reduced?
A high APR, regardless of pif, will discourage me from using any credit product. There is always the possibility you may need to carry a balance, and I will not pay 20%+ for more than a couple months.

What's the best way to get an APR reduction?
So far, I've called Amex, Chase, and Barclay's-
All of those accounts have some type of promo or another, and so the standard purchase apr hasn't really come into play, BUT none of them would hear of an APR reduction.
Funny how my old WAMU card still has a 9.24% but is unusable lol due to my own closure in 09.
Any advice is appreciated. Simple fact is: if Chase and Barclay's can't reward me for $10-20k in spend on their cards, large pmts, and no defaults- I just won't use my Freedom card or my Trav Amex.
I really wish Amex/Discover had more acceptance and lower merchant fees cause then I really could use them for every purchase!

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Rewards cards typically have higher interest rates, my CU cards have lower interest rates but don't offer any rewards...  they have to pay for those rewards some how.

you can get amex down but it's on their own terms and over time, my Delta AMEX has went from 15.24 to 14.5 over the year it has been opened

[youngandcreditwrthy]

That'd be fine with me. I'll prob just pay it off if they won't budge. :-)

[kobe2012]

I know this is an old thread, didnt wanna start a new one.... i called amex exec office last week for an APR reduction.. My intro expired yesterday and the gentleman said he will talk to the manager in that "department".. Called me the other day and said he will reduced my apr from 21.99% to 15.74%.. Was pleasant talkin to him... Very helpful.. I only got 0% apr for 6 months on my BCE

[youngandcreditwrthy]

I paid mine off a month in advance. I did call after my statement cut and the 22.24% took effect.
They wouldn't reduce it:-( idk how mine is so damn high.
Did you try regular customer service Kobe?
Could you pm me that EO number?? LOL

[chwebb1]

Could someone also send me the information for Amex's Exec office. I plan to give them a call when my 0% expires.

Thanks,

[lionsfan20]

I tried it when mine ended and to no avail. I think you should wait a few months. I finally gave up because in all reality , they gave me a 15k limit with practically no income. 20 bucks a month in interest is a fair price for that luxury.

You also have a high limit , they might be offended if you try to pay no interest with such a high limit lol.

[youngandcreditwrthy]

Well, I utilized that 0% and my balance is zero now. So once I meet the CSP spend, I'll go back to using BCE for groceries and just pif lol
I'm sure it will go down over time.

[Anonymous]

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@youngandcreditwrthy wrote:
Well, I utilized that 0% and my balance is zero now. So once I meet the CSP spend, I'll go back to using BCE for groceries and just pif lol
I'm sure it will go down over time.

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Not sure if Amex (or anyone else for that matter) gives auto-APR reductions, I think you have to ask.   I asked Amex after about 15 months and they reduced the APR by 2%.

[chwebb1]

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@Anonymous wrote:

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@youngandcreditwrthy wrote:
Well, I utilized that 0% and my balance is zero now. So once I meet the CSP spend, I'll go back to using BCE for groceries and just pif lol
I'm sure it will go down over time.

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Not sure if Amex (or anyone else for that matter) gives auto-APR reductions, I think you have to ask.   I asked Amex after about 15 months and they reduced the APR by 2%.

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@Anonymous: Did you call the number on the back of your card, or did you have to call another number to get your APR reduction?