USAA Amex

[drkaje]

Got approved but the interest rate is a little high. 

Should I ask for a better rate? If so would it make more sense to ask upon activation or to call member services now?

I also don't want a hard pull but don't believe saying this will matter too much.

[RockinRay]

I think if it were me, I would use the card for at least 6 months to establish a track record.

Show them that you will use the card correctly, then give them a call.

As a side line note, I have their Master card and have used it quite a bit. They automatically reduced my APR to 7.75% which is good in my book.

What APR did they give you?

Ray

[Anonymous]

The USAA Amex is a great card. Most of the bennies of Amex, and some are even better. For example, with regular Amex, they do an extended 1 year warranty on electronics and other things. It's 2 years with the USAA Amex.

[drkaje]

APR is 15.9%.

Gonna call tomorrow and ask. It won't cost anything, LOL!

[CS800]

Does this card have a CL?

[drkaje]

^ Yes, $5K.

[CS800]

Nice !!

Great card to have.

[haulingthescoreup]

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@drkaje wrote:

Got approved but the interest rate is a little high. 

Should I ask for a better rate? If so would it make more sense to ask upon activation or to call member services now?

I also don't want a hard pull but don't believe saying this will matter too much.

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Do you plan on carrying balances? --just curious.

[drkaje]

^ Probably not. 

In theory, the rate shouldn't matter.

[haulingthescoreup]

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@drkaje wrote:

^ Probably not. 

In theory, the rate shouldn't matter.

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FWIW, it took a while for my USAA APR's to drop. But I never noticed when it actually happened, and I had to look up the rate when I got curious.