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Floridaboiler
POTFH
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Joined: 18 May 2002
Posts: 11322
Location: Jacksonville, Florida
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 Posted: 01/03/06 - 20:19 Post subject: Credit Card Interest Rates
Has anyone ever called to try and get their rates reduced on their credit cards? I was looking at the 2 of ours and the rates seem awfully high. Do I try and bluff them and tell them I will transfer it if they don't lower it or what?
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jrjo
Gone Fishin
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Joined: 15 May 2002
Posts: 16450
Location: Lake Wobegon, MN
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Posted: 01/03/06 - 20:23 Post subject:
I've done it before quite a few years back when we carried balances for awhile.
Yep, it worked, I was able to knock it down a few percents.
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JACKED UP
PRESIDENT
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Joined: 06 Jun 2003
Posts: 21238
Location: www.johnnydu.com
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Posted: 01/03/06 - 20:24 Post subject:
| jrjo wrote: | I've done it before quite a few years back when we carried balances for awhile.
Yep, it worked, I was able to knock it down a few percents. |
Yup, me too. Go for it Boiler.
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Pug
The Movie Geek
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Joined: 21 Aug 2003
Posts: 8923
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Posted: 01/03/06 - 20:30 Post subject:
Just ask. If you don't have too much debt and have a decent credit rating, they'll lower it. Except for a Citi Mastercard. They suck.
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purple hayes
Frightened Inmate #2
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Joined: 14 May 2002
Posts: 14462
Location: ON YOUR LEFT!
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Posted: 01/03/06 - 20:38 Post subject:
I called a while back and they said that was the best they could do. 
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Floridaboiler
POTFH
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Joined: 18 May 2002
Posts: 11322
Location: Jacksonville, Florida
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Posted: 01/03/06 - 21:11 Post subject:
Thanks Everyone,
I will try and call over the next few days and see what I can get. If they can't get close to this one offer I have then I will just roll the cards over into one and just make the one payment each month.
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cherylpf
crazy cat lady
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Joined: 14 May 2002
Posts: 17304
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Posted: 01/03/06 - 21:24 Post subject:
| Pug wrote: | | Just ask. If you don't have too much debt and have a decent credit rating, they'll lower it. Except for a Citi Mastercard. They suck. |
I actually got my citi mastercard down  anyway FB, its worth a try.
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robp
Pyromaniac
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Joined: 26 Jul 2002
Posts: 16241
Location: Waiting in line at the beer store...
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Posted: 01/03/06 - 21:26 Post subject:
I called and they transferred what little I owe to FB's account! Thanks FB! 
I rarely carry a balance on my credit cards. I hate giving those sob's money.
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Floridaboiler
POTFH
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Joined: 18 May 2002
Posts: 11322
Location: Jacksonville, Florida
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Posted: 01/03/06 - 21:35 Post subject:
| robp wrote: | I called and they transferred what little I owe to FB's account! Thanks FB!
I rarely carry a balance on my credit cards. I hate giving those sob's money. |
I hate carrying a balance also but sometimes the bills come in faster than the cash.
This is one of this years resolutions of getting the bills paid down/under control.
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Pug
The Movie Geek
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Joined: 21 Aug 2003
Posts: 8923
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Posted: 01/03/06 - 21:51 Post subject:
| cherylpf wrote: | | Pug wrote: | | Just ask. If you don't have too much debt and have a decent credit rating, they'll lower it. Except for a Citi Mastercard. They suck. |
I actually got my citi mastercard down anyway FB, its worth a try. |
Weird, they told me they can't do it. Which is odd because others have given me better rates. No matter. We're working on getting rid of our cards.
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Gogirlgo
Member
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Joined: 25 Jul 2002
Posts: 4776
Location: No deal, stalker.
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Posted: 01/03/06 - 22:02 Post subject:
We refinanced and took out more than our mortgage to pay the bills off. Now I can deduct that interest (as part of the mortgage). And I only have one big monthly thing to deal with. If I do use my credit card, I pay it in full each month.
Maybe it's b/c they gave credit to everybody with a pulse in the late 90s, but now I see a lot of credit companies raising their rates really high, so it definitely pays to call and ask them to knock it down.
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Sha_kri
Member
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Joined: 17 Jul 2005
Posts: 49
Location: Pennsylvania
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Posted: 01/03/06 - 22:56 Post subject:
I like my cc and didnt want to transfer (open a new cc). So i called them and they dropped my rate. It was citicards, they always treat me much better than any other company.
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DCRunningDiva
Look at me!!! ©
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Joined: 10 Oct 2003
Posts: 9344
Location: Washington DC Metro
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Posted: 01/04/06 - 11:34 Post subject:
Just so you guys know...I heard on the news yesterday that they are going to start DOUBLING (as of Jan 1) the "minimum payment" on credit cards. This may cause a LOT of people to claim bankruptcy. 
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purple hayes
Frightened Inmate #2
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Joined: 14 May 2002
Posts: 14462
Location: ON YOUR LEFT!
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Posted: 01/04/06 - 11:40 Post subject:
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Floridaboiler
POTFH
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Joined: 18 May 2002
Posts: 11322
Location: Jacksonville, Florida
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Posted: 01/18/06 - 19:47 Post subject:
Well I called my 2 card companies and the one would only offer me a home equity loan at MAYBE 7 to 11 percent and the other said the best they could do was to take 4 percent off my rate. I have an offer in hand that beats both of those hands down. Time to transfer the balances and maybe cut up all my cards.
I really hate being broke.
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