Can you talk your credit card company into giving you a lower APR?

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  • October 7, 2015 at 7:18 pm #1155

    Suzanne Oldham – Ambassador

    I did not have luck asking for a lower rate, but I did have luck with the mail offers at 0%. So don’t ignore the mail and then transfer the higher balances to the lower rates.

    September 19, 2016 at 6:30 pm #2129

    Laura Smith

    I had luck a few years ago. Discover was the easiest to work with me. Also if you offer to freeze your balance, not use the card, they are more willing to work with someone.

    September 26, 2016 at 6:44 am #2144

    Sarah Sangster

    I haven’t had luck with lowering my rate. I got some script about them using a flat APR for everyone. =[ I will be transferring my balance.

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