@Anonymous wrote:
@Anonymous wrote:Chase denied my request for an APR reduction on my Ritz Carlton Card, it is curretly at 15.9%. I have this card for 11 months now. They replied back to me saying: "The current APR that you have now is the lowest that we offer", I do not think this is true, but I am glad that I do not carry balance on this card & this is the only one that I have with them.
Someone did not read the Chase manual. Lol.
I may pester them about lowering APR one day...
It just won't be today.
I skipped the manual and I went straight to the end of the road 
@Anonymous wrote:
@Anonymous wrote:Chase denied my request for an APR reduction on my Ritz Carlton Card, it is curretly at 15.9%. I have this card for 11 months now. They replied back to me saying: "The current APR that you have now is the lowest that we offer", I do not think this is true, but I am glad that I do not carry balance on this card & this is the only one that I have with them.
Chase is never known to reduce APR... But I guess it was worth the effort.
I needed to try , miracle happens everyday 
@Ghoshida wrote:
@Anonymous wrote:
@Ghoshida wrote:
@Anonymous wrote:Chase denied my request for an APR reduction on my Ritz Carlton Card, it is curretly at 15.9%. I have this card for 11 months now. They replied back to me saying: "The current APR that you have now is the lowest that we offer", I do not think this is true, but I am glad that I do not carry balance on this card & this is the only one that I have with them.
This is the only APR they offer on the Ritz-Carlton. It's the same as with Chase Sapphire Preferred, and Southwest Premier, Marriott etc.
You get a fixed APR on all these cards. It doesn't matter if you've had the card for a while or not.
However, even with the cards like Freedom where they have a flexible APR, Chase is notorious in not reducing the APR. I opened a thread on this recently. I'll try that in a few months.
Good to know, I had CSP in mind, but I will pass for now.
You should not apply for these rewards cards with APR in mind. None of these cards offer low APR; or 0% promos. If you want low APRs, Freedom and Slate are your best bet with Chase.
I will keep in mind