Mogul of Pineapples wrote:If you have already asked multiple times for the Macy's American Express portion to be lowered and no one will help, then there is not a whole lot more than can be done.
If you pay every bill off in full, no matter how high the APR is, it won't be a problem to worry about. What is the reason you need it lowered since you said it's paid in full regardless?
I only spoke once to a representative and after the answer was no I decided to see if anyone here had any experience with lowering the interest rate on a co-branded Amex card that is also a store card. I do make a habit of paying my cards off in time so APR is obviously never an issue with me, but since I have another card with a lower rate and don't want to close the Macy's card and maybe eventually use the Amex portion I'd like the flexibility of being able to pay over time and thus was curious if anyone here had the card and was able to lower the rate.
If you have experience or any knowledge with the Macy's American Express card and if the rate can be lowered or why it can't be, please post a useful answer. Thanks.