I sent MBNA a letter through PFB to ask them to take off the 1 90 and 1 60 day late and convert them to 30 day lates. I also asked them to re open my account since I am still using a debt consolidtation company to pay. (interest rate of 6%) If i reopen with MBNA (if they let me) they want to give me an interest rate of almost 30% which is just plain stupid. I have had 1 30 day about 4 months ago with them, and that was by accident when switching banks with the debt consolidation company. Other than that its been about 1 1/2 yrs since the lates. The letter said that the lates were not representative of the type of consumer I am now, and I would like them changed since I am trying to buy a house and the 90 and 60 day lates are kicking my ass. Anyway, I get a call a couple days ago saying that they want me to remain with the debt consolidation company since I am doing so well with them, and that they won't change the lates. What are my options? I want this account opened since it has a 3700 dollar revolving credit line, and it is one of my oldest accounts. They want to pull my credit report before they do anything... I am stuck on what the next step should be. Heck I even told them in the letter that I am willing to jack the interest up to 15% on the remaining balance if they open it up... they didn't have an answer on that for me... she is supposed to call me back... any advice welcome.....
