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October 8, 2013 at 1:32 pm
EmeryHas anyone had any luck calling credit card companies and getting their interest rate lowered? I have a decent credit score (678) and none of my bills are ever late.
I thought about calling the companies and mentioning that I was thinking about switching my balance to cards with lower rates. I have a few Mastercards/Visas with rates over 21%.
Thanks! Amy KageyOctober 8, 2013 at 1:35 pm
JudeYes I have.
I had one at 21.99%.
I called them and the lowered it to 19.9% over the phone.
I said I wanted it lower.
The clerk said they can only lower it a certain percentage every few months, I forget how many.
I would up using a balance transfer the next month for 9.9%.
I would try.
The worst they can do is say no.
I have also misplaced a bill and have been late.
I called them and explained why I was late.
They will drop one late fee, but tell you if it happens again they won’t.
I have had over the limit fees dropped too.
I just called them, ask them how much I was over, and paid that plus a little.
NR daisy test’; “October 8, 2013 at 1:38 pm
MichelI have called a couple cards and got the rate lowered and some offered to let me consolidate at a lower rate.
Just call them, tell em you have several cards at a high rate and you want to consolidate and lower your rate.
Don’t take the first offer unless it is zero on both rates for over a year.
jim Wolfe — Life is full of obstacle illusions -
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