requesting a lower cc interest rate
Thread Starter
LEVEL UP
Joined: Sep 2004
Posts: 11,426
Likes: 1
From: Indianapolis
23% APR is just stupid though. :a:
Last edited by R_Squared; Jan 16, 2008 at 04:30 PM.
AARONNOJIMA.COM
Joined: Aug 2000
Posts: 8,559
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From: Elk Grove, Ca AOL/AI
done it with my amex and visa, and not when it was about to expire either. before i had to call and just say i got such and such offer from this company what can you do to keep my business. but now they actually have electronic forms you can submit to ask for a lower rate, at least with amex. the worst they can do to you is say no
*edit* just read its a sears, yeah you're screwed. a lot of times there are like 3 tiers to branded cards and you can see if you can be moved to a lower tier/apr but its tough
*edit* just read its a sears, yeah you're screwed. a lot of times there are like 3 tiers to branded cards and you can see if you can be moved to a lower tier/apr but its tough
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Thread Starter
LEVEL UP
Joined: Sep 2004
Posts: 11,426
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From: Indianapolis
DAMIMRED
Joined: May 2002
Posts: 13,495
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From: Syracuse, NY
i know the standard sears card is like 23.9 or 24.9 but i thought the sears mastercard was down in the mid-high teens....
they upgraded me to sears MC but i never used the mf cuz i dont use credit cards
h:
Thread Starter
LEVEL UP
Joined: Sep 2004
Posts: 11,426
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From: Indianapolis
weird :eh: so its a sears mastercard but you cant use it at sears
i know the standard sears card is like 23.9 or 24.9 but i thought the sears mastercard was down in the mid-high teens....
they upgraded me to sears MC but i never used the mf cuz i dont use credit cardsh:
i know the standard sears card is like 23.9 or 24.9 but i thought the sears mastercard was down in the mid-high teens....
they upgraded me to sears MC but i never used the mf cuz i dont use credit cards
h:h:Yeah, I can use it at Sears or anywhere else.
Yeah, the interest rate is outrageous. I transferred what balance I had left to a card with 0% a while back and haven't used the card since.
more meat, more fire
Joined: Mar 2002
Posts: 28,251
Likes: 0
From: Orange, CA
Yes.
I just did this recently.
I told chase that I want to close the card.
They asked why.
I said because _____ is offering me 5.9% until 2010, so I'm going to transfer my balance.
They said "Oh you are qualified for a lower rate and increased limit."
So they matched it to 5.9% and upped my credit line.
I just did this recently.
I told chase that I want to close the card.
They asked why.
I said because _____ is offering me 5.9% until 2010, so I'm going to transfer my balance.
They said "Oh you are qualified for a lower rate and increased limit."
So they matched it to 5.9% and upped my credit line.
Thread Starter
LEVEL UP
Joined: Sep 2004
Posts: 11,426
Likes: 1
From: Indianapolis
Yes.
I just did this recently.
I told chase that I want to close the card.
They asked why.
I said because _____ is offering me 5.9% until 2010, so I'm going to transfer my balance.
They said "Oh you are qualified for a lower rate and increased limit."
So they matched it to 5.9% and upped my credit line.
I just did this recently.
I told chase that I want to close the card.
They asked why.
I said because _____ is offering me 5.9% until 2010, so I'm going to transfer my balance.
They said "Oh you are qualified for a lower rate and increased limit."
So they matched it to 5.9% and upped my credit line.
Werd. They don't mind automatically upping my credit line, just no lower interest rate.
This is actually the second time I've called them about this since I got the card. The lady didn't even give me a chance. She was just like "you want to close it out? I'd be happy to do that." and that was it.
