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Calling Them Finally Worked!!


I can’t believe it! I called credit card #2 and they actually reduced my interest rate! I sit here amazed. I’ve called them before and they wouldn’t budge. Perhaps they are noticing that I am very agressively paying off their card and decided they better do something.

They reduced the interest rate from 16.99% to 13.99% and my account was technically upgraded to a “new” card to get the new interest rate. It’s not a huge decrease – but it’s something and I won’t complain. Every little bit helps when you are in my situation.

Next step – figuring out my gameplan on how to play the balance transfer game so I can get the rates even lower 😉


  • Reply Lisa |

    Yay!! Have you calculated the impact it will have on total interest and payoff period? Inquiring minds want to know! 🙂

  • Reply Tricia |

    You know what? In my amazement, it didn’t even sink in that the customer service rep said something about my “preferred” status. I bet my credit score increasing has helped.

    I haven’t calculated the total impact on my payoff period but I hope to soon. I think I am going to see what I can do with some balance transfers 😉

    Thanks everyone for your kind words!!

  • Reply pkthunder |

    Perhaps it’s because your debt repayment has improved your credit score, and now you qualify for their “preferred” or “platinum” interest rates.


So, what do you think ?