When to ask for a lower APR

[Anonymous]

Hence why I just said chase is one... HP...

[score_building]

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@Anonymous wrote:
Hence why I just said chase is one... HP...

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Actually, they don't really grant customer initiated APRD requests at all.

[Anonymous]

I have seen plenty on here who have tried, got a HP and failed. If that changed then whatever but it's not worth going on a tangent over.

[score_building]

Figured if it may spare a HP for a request that will not be granted regardless, no harm in mentioning it.

[Anonymous]

Agreed. I wouldn't waste the time with chase or cap1.

[galahad15]

Some cc lenders will give AA, for requesting APR reductions    Both before and after CARD Act...I've been there, had that happen...

[Anonymous]

Haha true. Amex shouldn't, though, as it's all computer. BofA kind of comes to mind for a possible AA

[Anonymous]

So when could I ask for one on my Amex? Squeaked through with the approval with a 1000 SL. I'm thinking around six months?

[Themanwhocan]

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@Anonymous wrote:
So when could I ask for one on my Amex? Squeaked through with the approval with a 1000 SL. I'm thinking around six months?

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I was granted an APR decrease on my Amex BCE on 10/15/2015 and on 2/8/2016. So, less than 4 months apart.

[Anonymous]

How long was your BCE open for when you got your first apr decrease