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Getting Lower APRs -

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Anonymous
Not applicable

Re: Getting Lower APRs -


@phonic wrote:

Just got my Amex BCP in the mail today, so I finally found out my APR on it: 12.99%. Appears to be the lowest available on that card, and I think pretty good for Amex. Not that it matters since I don't carry a balance. Plus I get 0% until April 2015.


Nice APR!  So is $10,000 your starting credit limit on that card?

Message 11 of 14
phonic
Contributor

Re: Getting Lower APRs -


@Anonymous wrote:

@phonic wrote:

Just got my Amex BCP in the mail today, so I finally found out my APR on it: 12.99%. Appears to be the lowest available on that card, and I think pretty good for Amex. Not that it matters since I don't carry a balance. Plus I get 0% until April 2015.


Nice APR!  So is $10,000 your starting credit limit on that card?


Thanks and yes, they auto approved me for the $10k CL. 

 

I also have a PRG that I used to spend a ton on, but haven't used it much in the past 18 months. Plus I'm an AU on my wife's Zinc (which was a Gold we downgraded), so I have a bit of a profile with them. I'm hoping I get the CLI to $25k. I don't want to push my luck and go for $30k. 

 

I'm not familiar with Amex credit cards since this is my first. Is a low APR like 12.99% hard to get from them? 

 

Now I'm off to the store to buy some groceries on it Smiley Very Happy.


Limits: PRG=NPSL, CSP=$16k, BCP=$30k, DIT=$15k, USAA=$6k, CDW=$12.5k, IHG=$9k, BBY=$2k, BOA=$13k
Message 12 of 14
masscredit
Senior Contributor

Re: Getting Lower APRs -

Has anyone tried to get their Barclay APR reduced?

EQ - 698 / TU - 672 / EX - 686

Capital One Savor - $16000 / Capital One Venture - $13000 / Travel Advantage Visa - $11500 / TD Cash Card - $7500 / Bread Rewards AMEX - $6950 / Apple Card - $6500 / TD Double Up - $5500 / Mercury - $5000 / Ally Master Card - $4300 / DCU Visa - $3000 / Capital One QuickSilver - $500
$79,750
DCU Auto Loan
Message 13 of 14
blondy250
Established Contributor

Re: Getting Lower APRs -

I also don't carry a balance, but here are a few. Amex-15.9%, Chase 10.24% Citi 19.9%, Discover 17.9%.

Fico 8 12/9/17
Equifax 850, TransUnion 842 10/30/17 , Experian 842 12/11/17 . AAOA 12 years Oldest 20
No inquires since 2014
All credit reports frozen
Fico 8 Equifax Bankcard 866 12/27/16
Message 14 of 14
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