USAA lowered my APR from 20.95% to 14.15% and upgrading my account to cash rewards.
Holy smoke, that's awesome!
It looks like today several of our anecdotal 'rules' are demonstrating that they are indeed made to be 'bent', if not down-right broken sometimes! This is the first time I've heard of USAA lowering an APR or changing an account reward type without simply telling you to apply for the account you want... this is indeed great news for me!
I really (really!) like them, but their card is now sort of 'meh' compared to my other cards. It was the first 'big boy' card I got, and at the time 16.9% was actually quite good (I thought) but now I have several other cards that beat them on APR. I did receive an auto-CLI back around my 1 year anniversary in November (increased from $7k to $8.4k) but having a lower APR for those occasions I would like to carry a balance for a few months sure would be nice. Right now, NFCU is getting all of my pay-over-time love... and I suspect I'm not alone.
Just a quick question, did you call them up or send a SM? Whichever method you used, was it like begging and pulling teeth, or is this something they seem to be agreeable to now?
Sorry for the questions, but inquiring minds want to know! 
Anyway, major congrats on the account changes... to me, this is a bigger deal than a new approval! 
Sidenote: the other 'rule' I saw reportedly 'breached' was the two Amex revolver approvals in a single day 'rule'. Generally - or at least anecdotally - it's a charge and a revolver you can do back-to-back, but not two revolvers... or the second one goes to manual review. That being said, someone over in approvals reported getting an Amex Hilton and a Delta Gold in the same day, both auto-approved - the first I've ever heard of that!
While structure is nice, it's extra-nice when old constraints are relaxed, especially if they were arbitrary to begin with (such as USAA not adjusting an APR).
@UncleB wrote:Holy smoke, that's awesome!
It looks like today several of our anecdotal 'rules' are demonstrating that they are indeed made to be 'bent', if not down-right broken sometimes! This is the first time I've heard of USAA lowering an APR or changing an account reward type without simply telling you to apply for the account you want... this is indeed great news for me!
I really (really!) like them, but their card is now sort of 'meh' compared to my other cards. It was the first 'big boy' card I got, and at the time 16.9% was actually quite good (I thought) but now I have several other cards that beat them on APR. I did receive an auto-CLI back around my 1 year anniversary in November (increased from $7k to $8.4k) but having a lower APR for those occasions I would like to carry a balance for a few months sure would be nice. Right now, NFCU is getting all of my pay-over-time love... and I suspect I'm not alone.
Just a quick question, did you call them up or send a SM? Whichever method you used, was it like begging and pulling teeth, or is this something they seem to be agreeable to now?
Sorry for the questions, but inquiring minds want to know!
Anyway, major congrats on the account changes... to me, this is a bigger deal than a new approval!
Sidenote: the other 'rule' I saw reportedly 'breached' was the two Amex revolver approvals in a single day 'rule'. Generally - or at least anecdotally - it's a charge and a revolver you can do back-to-back, but not two revolvers... or the second one goes to manual review. That being said, someone over in approvals reported getting an Amex Hilton and a Delta Gold in the same day, both auto-approved - the first I've ever heard of that!
While structure is nice, it's extra-nice when old constraints are relaxed, especially if they were arbitrary to begin with (such as USAA not adjusting an APR).
Don't worry about the question. I was actually shocked and the way I found out was a logged in to the mobile app just to check when my bill dropped that's when I noticed everything was changed around. I never called up I never sent secure message and actually I never got anything in the mail about the changes that happened in all honesty I don't even think I spent under $100 on the card since I was first approved.
Fantastic Saleen !!! thats a GREAT reduction 