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When the topic of credit cards comes up, you’re probably used to hearing only the bad things. But, in reality, for most of us credit cards have done us a valuable service: helped us establish a credit history. Let’s be honest, few banks are going to hand out money for a big [...]
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Just a few quick tips I learned from my Whimsical Negotiation with the credit card company. This was my progression, and yours will probably be the same.
Actually ask. If you don’t ask you get nothing. NOTHING. The credit card company has no incentive to reduce your interest rate out of the goodness of their hearts. [...]
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This post is a follow up to Whimsical negotiation with your credit card company.
We got the final answer from Chase concerning my request that they set my interest rate at something more reasonable.
A paraphrasing of the multiple emails exchanged:
RD: My interest rate is way too high. I have $0 balance on this card, the interest [...]
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Below is real letter that I wrote to my credit card company. I have a -$0.07 balance with them, so the 23% interest rate they have set for me does not hurt me at all, but I figured if I could get a sweet 0% balance transfer on the $10k on a different card it [...]
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This past week something changed in me. Maybe it was me sporting Gen-X goatee, maybe not. Something changed though. For the past year I’ve been on edge constantly, never really feeling stable. Some stability finally showed up this week.
My debt is going to be with me for a long time. I’ve come to accept that [...]
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