Amex Temporary APR Promo Reduction Offer

[nytokyobred79]

I just have a recurring 20 dollar charge on my Delta Amex Skymiles  Blue. I use my Reserve, BCE quite a bit and the other two Amex much more than the Skymiles Blue. I received the offer below. I always PIF for my Amex cards so will likely pass. If it were one of my other lenders, I might  have considered.   

[GZG]

good call, it's a trap! 

you think amex could offer 0.9% or something for six months and have people give it a second glance at least

[nytokyobred79]

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@GZG wrote:

good call, it's a trap! 

you think amex could offer 0.9% or something for six months and have people give it a second glance at least

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Definitely. Something under 1% would actually be an enticing offer especially if you need a few months to pay down some debt. But I get that Amex likes its model and that's not really catered to one who might revolve debt. I have other lenders who are comfortable with that. 

[JSUB]

Citi Costco offered the same 9.99 APR last December until June 2025. I always PIF monthly, but I still signed up for it. 

[Tdatb64]

Disco just offered me 6 months of 2.99% interest. I accepted, 'though I'm not likely to take advantage of it.

[Tiggr]

Laughable offer, I'm assuming they definitely don't offer this to people carrying a balance , right?

[nytokyobred79]

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@Tdatb64 wrote:

Disco just offered me 6 months of 2.99% interest. I accepted, 'though I'm not likely to take advantage of it.

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That I would accept even if not planning to use it. 

[nytokyobred79]

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@Tiggr wrote:

Laughable offer, I'm assuming they definitely don't offer this to people carrying a balance , right?

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Laughable indeed. Probably not offered to those carrying a balance, though I'm not sure. I hadn't really used the card as much compared to my other Amex card so wonder if they're trying to lure me into swipes. Hah

[nytokyobred79]

Amex sent a new APR promo today  but for my BCP this time. Btw, I declined the previous offer on my Skymiles Blue.