- My Forums
- Tiger Rant
- LSU Recruiting
- SEC Rant
- Saints Talk
- Pelicans Talk
- More Sports Board
- Fantasy Sports
- Golf Board
- Soccer Board
- O-T Lounge
- Tech Board
- Home/Garden Board
- Outdoor Board
- Health/Fitness Board
- Movie/TV Board
- Book Board
- Music Board
- Political Talk
- Money Talk
- Fark Board
- Gaming Board
- Travel Board
- Food/Drink Board
- Ticket Exchange
- TD Help Board
Customize My Forums- View All Forums
- Show Left Links
- Topic Sort Options
- Trending Topics
- Recent Topics
- Active Topics
Started By
Message
If any of you have a Citi Card and saw a huge interest rate hike
Posted on 2/10/11 at 10:42 am
Posted on 2/10/11 at 10:42 am
Give them a call and ask for a reduction, if your current and tell them your considering cancelling the card you should get a percentage knocked off for a little while. It went like this for me,
1. Called their number on back of card
2. Told the person in India I wanted a rate reduction.
3. Transfered to Nevada and the guy asked me some scripted questions
4. Transfered to South Dakoda and got a reduction for 6 months.
Hope this helps someone.
1. Called their number on back of card
2. Told the person in India I wanted a rate reduction.
3. Transfered to Nevada and the guy asked me some scripted questions
4. Transfered to South Dakoda and got a reduction for 6 months.
Hope this helps someone.
2
Posted on 2/10/11 at 10:51 am to WJohn12
Had some left over college CC Debt about a year or so ago, and went through the same thing. Had decent rate before then jumped to 29.99% for no reason other than their company was tanking. They reduced it to 11.99% for 6 months. Paid off balance within that time, then canceled card. 
Posted on 2/10/11 at 10:57 am to TigerDeBaiter
Yeah same situation but mine topped out at 19.99, got it dropped to 13.99
Posted on 2/10/11 at 11:40 am to WJohn12
Had a card with them since 1991, with 18K limit. They wanted to start charging me an annual fee unless I started charging more on it...I never used it so I closed that sucka.
Posted on 2/10/11 at 7:16 pm to WJohn12
quote:
Give them a call and ask for a reduction, if your current and tell them your considering cancelling the card you should get a percentage knocked off for a little while.
This is true for any credit card. If you are the unfortunate position of carrying a balance, one of the very best things to do if you are current is to ask for a reduction in the rate. You'll probably get it, they know good and well that competitors are offering teaser balance transfers.
Posted on 2/11/11 at 11:37 am to foshizzle
I have 0% on my card till September.
Posted on 2/11/11 at 11:42 am to barry
I'm with my 1st card and a 2k limit. Once I get older would it be smart to keep the card open even if I don't want to use it?
Posted on 2/11/11 at 11:46 am to wegotdatwood
quote:
Once I get older would it be smart to keep the card open even if I don't want to use it?
Yea, depends how much you spend. Part of your credit score comes from how much of your revolving balance(the limit on all your credit cards) you have out when they take the snap shot each month. I think 0-10% of your revolving balance is treated the same. So the higher the better depending on how much you have on your credit cards at a time. For me its important cause i put everything on my CC to get reward points.
Page 1 of 1
Popular
Back to top
Follow TigerDroppings for LSU Football News