How do i get a lower interest rate on my citi credit card?
I have a card with something like 18% interest and a $3000 limit, it does not make sense to use it at all with that interest rate. Help?- Nooo! do not cancel that card here is a little tip. Ok first make sure that you are current on the card and that you have not maxxed out the card or have it near maxxing. make sure also that you are not at the default APR. Second call the credit card company and call the accounting deparment. Ask them to lower the interest rate of the card. If they do not want to lower it then just tell them that you have recieved another offer by another lender with the same limit but way lower APR like 9%. And that you will transfer what you owe them to that card. Most likely they will work with you IF you have been current, have not missed payments. Whatever you do do not threaten them with cancelling its best if you leave it open because if you close that account the will affect your credit to debt ratio which in turn will lower your score by some points. Just keep the card and use it for very small things that you can pay off in one payment, like for filling up your gas tank or groceries. Even if you do not use the card it helps you build a good credit score
- Call them and ask for a lower rate. If they do not give you one, cancel the card and get one from someone else
- Call and ask them to lower your rate or apply for a new card and do a balance transfere. Good Luck!
- a lot of times you can call and ask for one. they will "him - haw" around and act like it's really hard, then they will generally either lower it a few points or come up with a promotional rate to last for a few months to a year. if they don't, just threaten to leave - saying that you do not really want to leave, but you just might have to go where you can save money. if nothing works, then find another card. or, better yet & what we are working towards, just use cash :
- I would apply for one with a better interest rate. This website will be able to help you: Compare all the best credit cards? bestcreditcard. newcreditapplications.com / Good Luck
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