I am ecstatic because I just got one of my credit cards to drop 11% off their finance rate.
Yeah, their rate was truly outrageous.
When they answered the woman said, "I hope you know that Xcard truly values you as a long standing, excellent customer."
I said, "I sure hope so, and I hope that you are willing to prove it because right now I'm not feeling it. Our rate is completely unacceptable and I am requesting that you reduce that rate."
"Oh, let me take a look at your history...Well, it looks like you have had this rate for some time; but I'm not sure why since you have excellent credit."
"I know I do. We are great customers. Our rate should not be that high. Especially since your company is sending me stuff telling me that because we are such great customers they are willing to offer us a fabulous transfer rate. Why don't they just give me that rate on what I have on the card now?"
"I could get you to a specialist that could help you with your rate. I'm sure that we can get your rate lowered for you."
"Well, if you can't make my rate reasonable, I will do whatever I can to pay it off in the next couple of months and close that account."
"Let me get you to that specialist."
Wham, bam - 11% lower than we had been getting charged, effective immediately!
They already make enough off from us, they really don't need to be so damn greedy!