@Creditaddict wrote:
@kdm31091 wrote:
@Creditaddict wrote:I was told you can check every 6 months for an APR reduction but it will be TEMP... They will NEVER lower the APR the account was opened with and if you think you qualify for better they said to reapply... I facebook messaged them and had a long conversation with a rep who in the end was paid to listen to me bitch because she couldn't do anything... I have been EXTREMELY disappointed with them in this respect.
We have 22.99 on our Business Cash Card and 21.99 on our Cash+ card.
I said how on one hand do you approve someone for $33k worth of credit but feel they don't qualify for better than your WORST RATE!?
I was told it was based on overall credit... I told her she better think of something else to say or say she doesn't know because that just makes her look stupid.
With all due respect, being rude and snarly to the CSR like that is not going to get you anywhere, either. I get that the policy is annoying, but some issuers don't really lower APRs by request (Chase for example). US Bank is one of them. It is what it is. There's no need to be nasty to reps about it though. It's not their fault.
Like I said she was from the executive response unit but didn't have much power but to talk and I talked to her for over 30 minutes... the comment didn't come across nasty, more like "your job in executive response unit is being undervalued because you are not empowered to fix anything but just chat and see if you can resolve problems without actually changing anything! by the time I made the comment we were on a communication line that it wasn't an insult to her intelligence but the position she was in because of the bank"
Did you have your coffee before you called them? Jeez! 
