Just got an email on this, admittedly strange in my experience and oddly this is after I had a dumbass credit snafu which wound up with a 30D late on Experian... and TBH I've never once swiped this card either as I got it for C+P and then never had a use for it when I went overseas.
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@Dave4fun wrote:Thats great! Maybe they are trying to encourage you to use their card. Congrats!
Yeah, interestingly enough other than my HELOC this APR is now the lowest of any tradeline I have: my Penfed PLOC ticked up to 12% sometime.
Will be interesting to see what happens with this account assuming the Fed raises rates again after seeing the godlike GDP number... but I need to go find my PIN and make a swipe now as I actually have a reason to keep it open as my low APR card at this point and it would be a shame for it to be closed for inactivity.
Revelate ... remember when you got this card and had all of us considering whether we needed a Chip & Pin Card. Then you don't use it and come back here and report a 30D late and a lower Apr 
The shame of it all 
Time for you to go to the corner (almost thought we were going to have another Oregon Community Credit Union OCCU with the Beaver Card run when you applied ... noticed their name included "Community" interesting as I did not remember that ... maybe just maybe you can start another fiasco? 
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@Anonymous wrote:Revelate ... remember when you got this card and had all of us considering whether we needed a Chip & Pin Card. Then you don't use it and come back here and report a 30D late and a lower Apr
Haha, yeah well I kinda doubt that.
APR reduction is kinda /shrug unless you carry balances which we hardcore preach not to do on this forum.
Where C+P falls down in my personal experience (YMMV), is it's yet one more PIN you have to remember, and if you have a bunch of cards and they all have PIN's, bleck; admittedly I could ask if I could switch it to some other number but this whole send PIN's on paper in mail for everything from cards to the Cali tax board portal (and you have to use it within a certain time period no less on that one) is a pretty annoying method of solving it.
I think the forum came to the right conclusion then, that C+P wasn't really relevant in the US and I saw it nowhere in my Asia tour. If projects hadn't gotten shutdown maybe it would've seen some use in Germany.
And I suspect people will come to the correct conclusion now: if you need a low APR, you can get one better than this one by a few percentage points. That said, none of my creditors blinked with that 30D late, apparently it was a non-event in their opinions. Amex, Barclays, BOFA, Cap 1, Chase, Citi, DCU, Elan, First Tech, and Penfed... all simply disregarded it, so to be fair this was probably just some automated process that First Tech does and who knows what their algorithm is on that.
Guess we've come a long way from when I started where everyone was spooked about even the most trivial of blemishes (inquiries) and today even a deliquency and a change in payment patterns is *shrug* from a lender's perspective.