Credit Card Rape
No longer enjoying the double digit screw courtesy my credit card company, I decided shave a little interest rate girth today.
If you are likewise suffering, here is your way out:
Call the 1-800 numbah on your bill. Punch in the necessary coded array of buttons that gets you to a live person, then say this: "Hi I need to speak with an account supervisor to discuss closing my account."
No, you can't pay off your card. Yes, this is a bluff. The people who answer the phone cannot authorize an interest rate reduction, and they will only hand you over to a supervisor if you threaten to close your account.
Supervisor gets on the phone, and after giving your name and account number, you will embellish the bluff, "Yes, I need to get a ten day payoff amount and close my account. I'll be switching to a card with a lower, fixed rate."
This is when they get friendly.
At this point in today's conversation, I was asked what fixed interest rate I had in mind. "5.9% works," I said. To really appreciate that request, you must understand that as evidenced on my monthly statement, I was being raped to the tune of 27.9% APR. And I'm being kind by not mentioning the name of the company. That rate is UNHEARD of. Thieves.
I did not expect to get my initial request, although it would have been nice, particularly since the daily junk mail solicitations seem quite confident that they can beat it. However, we were able to reach an agreement, sparing me from the introductory rate account juggle. The final verdict is 7.996% (fixed).
I can live with that.
(For those of you wondering how someone as savvy as myself could be so irresponsible as to have maxed out my credit cards... Well, I'll have you know that I have absolutely nothing to show for it. This is old, crusty, stale debt that I'm slowly and surely chipping away. The cards haven't actually been used in years...)
posted by Key on
10:00 PM
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Comments (4)
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Dealing with Credit Card Companies
So true. It also works for the occasional late bill when they whack you with a $35 finance charge PLUS interest.
TJ: Hey, my husband and I just moved, so I'm afraid my bill will be a day or two late. I've been a good customer, so would you mind taking off the extra charges?
Credit Card Company: NOOOO! (Insert evil laugh here.)
TJ: Oh, in that case, please cancel my account -- immediately.
They not only removed the finance charges AND the interest but also upped my credit limit (to buy stuff for the new digs) and gave me a wicked, crazy low interest rate. I should have asked them to throw in a case of champagne too...
When my husband and I got our very first credit card (oh so many eons ago) everyone thought we were nuts because we kept a running total of what we spent on the refrigerator. When we hit the preset limit (not the card limit, but what we could pay off that month) we didn't use the card again until the next month.
We literally owned nothing for years... but we never carried a balance - ever. Now I figure, other than my house and a car, if I can't pay for it by the end of the month... I don't need it. *grin*
Anyhow... Good for you for getting what you wanted, that's terrific!
please send me key to sreamcream, thank very much
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