Pooka89 wrote:
All accounts are reviewed every 6 months by the global credit administration and whenever their criteria has been met (nobody but them knows what the criteria is), they load the lower APR into the customer service system which the agents can simply activate. Unfortunately, calling in will yield the same results as live chat. I would suggest inquiring again in ~6 months. Tenure, and good charge and payment history will usually lead it to be lowered over time.
I'm assuming this is a department within AMEX, but I just want to clarify that with you because "global credit administration" sounds like a branch of the Government haha.