thats awesome!!! congrats!! its nice to have those low apr's for a rainy day for sure 
@Involver wrote:
@ksantangelo23 wrote:I didnt think it was possible to get this low with AMEX, but every few weeks I've been asking for an APR reduction, and lately I've been told 10.29% is the best they can do for the past couple months.
I was almost ready to give up bugging them, but I just ended a live chat and was given 9.24% to both of my accounts.
So, single digits APR's are possible with AMEX.
Do you use the card frequently? I was rebuffed when I asked for one for not having enough usage. I'm currently at 21.99% which is laughable.
Yes, I use my BCP for virtually everything, but never carry a balance. My Hilton see's no use now that I have enough points for a 2 week vacation 
@ksantangelo23 wrote:
@Involver wrote:
@ksantangelo23 wrote:I didnt think it was possible to get this low with AMEX, but every few weeks I've been asking for an APR reduction, and lately I've been told 10.29% is the best they can do for the past couple months.
I was almost ready to give up bugging them, but I just ended a live chat and was given 9.24% to both of my accounts.
So, single digits APR's are possible with AMEX.
Do you use the card frequently? I was rebuffed when I asked for one for not having enough usage. I'm currently at 21.99% which is laughable.
Yes, I use my BCP for virtually everything, but never carry a balance. My Hilton see's no use now that I have enough points for a 2 week vacation
Quick question. If you're using your BCP for almost everything, why not transfer some of your CL from the Surpass to your BCP? Seems like you've got an awful lot there and not a lot on the BCP for almost all of your spend. How much are you spending per month?
My Hilton has a credit report Open Date of 2007. My BCP is just 2013 
Missed the backdating by a few days back in March.
I prefer my oldest card have most of the credit. Probobly makes no difference, but I dont need more than 2k on BCP anyway
Missed the backdating by a few days back in March.I prefer my oldest card have most of the credit. Probobly makes no difference, but I dont need more than 2k on BCP anyway
I actually am also trying to force AMEX into giving me a CLI, which did happen when my BCP was just 1k thought it was just a CLI of 1k. I ran up to the limit every month and 2 months later they auto CLId me, which was only a month after my 32k CLI on my Hilton
thought it was just a CLI of 1k. I ran up to the limit every month and 2 months later they auto CLId me, which was only a month after my 32k CLI on my Hilton
Though it was a CLI of just 1k** Sorry, posting from mobile