If you don't ask...you don't get!

gingerfurball

Thanks to the advice of MSE and the lovely people on this board I just got the % rate on my card reduced. I never realised you could ask! I never even realised what rate it was...prepare yourself...24.9%...OMG!! But they will be reducing it to 15.9% from next month and I've also cancelled the payment protection cover. The guy didn't want me to cancel and tried his very best to get me not to. But I stayed calm and persisted.

This all came to a head when I realised that after paying out £65 on my card last month, £6.68 came off my balance...I'll now be trying to get a 0% card to transfer the balance. I'm not sure if this will happen, I have a bad history, am now a housewife with no income, but I'll try!

Thanks everyone!

Lucifer

Well done. what a good start. Good luck with getting yourself a 0% card.

queenofthedump

well done you

black-saturn

Well done, keep at it

Burlesque_Babe

on the phone as i type to capital one asking if they will reduce the apr........am on hold whilst they speak to 'relevant department'.........

computer says ..............(terrible lift music I'm listening to!).......YES..........from 30.5%!!!!!! :eek: :eek: to 19.9%!!!!!!!!!! :j :j

ok, not a good apr by any stretch of the imagination, but it should help.

Start asking everyone¬!!

queenofthedump

keren29

what a result well done

fairylights_2

You are an inspiration!

Barclaycard has just dropped my rate from 19.9 to 14.9 - not that I don't pay it off anymore, but still, I rang and threatened to leave and they were happy to oblige (!)

Broken_hearted

I just tried capital one got an £18 refund aint life sweet.

Broken_hearted

I love this site ((((hugs))))

Burlesque_Babe

I would have got the annual card fee refunded as well if I paid one, but I don't pay one, but pleased at the result!

magentadreamer

keren29 wrote:

on the phone as i type to capital one asking if they will reduce the apr........am on hold whilst they speak to 'relevant department'.........

computer says ..............(terrible lift music I'm listening to!).......YES..........from 30.5%!!!!!! :eek: :eek: to 19.9%!!!!!!!!!! :j :j

ok, not a good apr by any stretch of the imagination, but it should help.

Start asking everyone¬!!

well done! it's a third off :T