No. of Recommendations: 0

You've got nothing to lose by calling them, and if you don't get the answer you want, ask to speak to someone higher.

There are a few tips you might want to consider.

First, the best thing you can do is to be prepared. Try calling Citibank Aadvantage Visa (if their affiliation with American for airmiles would work for you) as they have an annual fee of $50. They may even offer you an introductory rate as well as a free ticket, which they give to new applicants through the formal applications.

Another thing would be to start collecting those offers that come in the mail, so you can be armed with information (armed with information? How scary!) you can give to them. Imagine saying, "Well, I've got this offer that states I can transfer my balance at a rate of ___."

Also, you can feel free to bluff. You can tell them that if you don't get what you want you'll cancel the card. You don't need them. Of course really works best if you have another card lined up, and can really do it. After all, they may call you on it. But in reality, you can always call them back an hour later and tell them you had a change of heart. Don't worry, they always tell you that if you change your mind they can reinstate the account.

Finally, I agree with Bottles. It would behoove you to find a lower rate anyway, even if it is an introductory rate. If you've got a good credit rating, you'll have no trouble getting a better account.

Lastly, a customer is attractive to a credit card company NOT based on how much interest you've paid them, but by how you've managed your account. If you've paid your bills regularly, that's what counts.

Let us know how you make out in this! Good luck!

...but I still am...

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