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Called my card issuer and asked for a lower APR, got 24% down to 14% in one call
Kept getting denied on a balance transfer so I just called the number on the back of my card and asked if they could do better on the rate. Took 15 minutes on a Tuesday morning and they approved it on the spot, has anyone else had luck just asking instead of applying for new cards?
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john_fisher1mo ago
Wow, so you're telling me the secret to getting a better deal is just... talking to a human being? Crazy concept! Next you'll tell me I can walk into a store and ask for a discount instead of ordering online and hoping for the best. I spent weeks filling out balance transfer apps like a chump while you just picked up the phone and got 10 points knocked off in 15 minutes. Meanwhile I'm over here getting denied left and right and questioning my whole life. Good for you though, seriously, that's a win.
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