I called my credit card because they raised my rate only a month after getting it lowered. The customer service representative stated that it was due to the prime rate raising. Ok, I understand that.
He took no time at all to try to lure me into a balance transfer offer (because the balance is zero right now on that card). The offer was 4.9% for the life of the balance. Not a bad offer. He tried to hurry me with making a decision because he wasn’t sure how long the offer would last. He even said they would send me a check in the mail and I’d have 90 days to use it for this balance transfer offer. If I decide not to do it I could just rip it up and toss it. And, the best part of all is that they would send me a check for a “little” more than I tell them to make it out for (a little sarcasm there).
Anytime someone hurries me to make a decision, that’s a red flag to just step away and say no. I like to think about things and this customer service rep tried his hardest to get me to say I wanted the check. I finally told him that would think about it and I’ll call back if I’m interested in it and he backed down. If I decide I want it and it expires by the time I call again – so be it. It probaby wasn’t meant to be.
BUT – I bet that check will come in the mail regardless – LOL.