Quote:
Originally Posted by saversaba08
"I never carry a balance either but I always negotiate to lower the APRs on my cards. I have an emergency fund, but you just never know what may happen. I feel better knowing that I have one card with an APR under 8% and no annual fee."
vsjhoc: This was precisely my rationale behind the original question. So I should ask for a lower rate, right?
Thanks
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It costs nothing to try except maybe 5 minutes of your time. The worst that can happen? They say no. Then calmly ask to speak to a supervisor. Sometimes the CSRs don't have the authority to cut APRs. Good luck, and let us know what happens!