I have been reading the posts now for about three months and haved used them as positive outlook with my debt situation. I currently have an $8,000.00 balance on my First USA card with a rate of 20.6%(ouch).I followed the advice on the boards and called about lowering my rate. They didn't even want to budge until I mentioned I was considering closing and transfering the balance. They will not lower the rate until I get an offer from them in the mail or see a television commercial advertising a lower rate. If anybody has seen a commercial can you please post the channel and time so I can call them to get a rate of 4.9%. It is only a temporary rate but any amount will help. Thank you.
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