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Discussion in 'Credit Talk' started by Jo, Jul 6, 2000.
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If a company did that to me, as long as the interest rate was the same I would balance transfer and then tell them that I am closing the account unless they lower the rate. If they lower it, then pay off the other card, if they don't, simply close the account.
Deal from strength, exercise your credit.
A regular representative does not have the power to lower your interest rate unless it has been at least six months from the time your payment was less than what it was supposed to be. try calling again to see if they can lower it. if they can't ask to speak to a supervisor. A supervisor does have the authority to look at you account history and make a decision using that. They probably wont be able to lower it to 8% again but they might be able to lower it to something comparable.