No. of Recommendations: 0
I've found it's best to have plan B waiting in the wings and ready to go when you call and say, "I've been offered a 12.5% interest rate from AnyCard USA if I transfer my existing balance to them. If you're willing to match that rate, I'll stay with Citibank." Ask to speak to someone above if the first person you talk to starts giving you the "sorry-but-we-can't-do-that" schtick.

They'll either concede and agree to lower your interest rate, or they may call your bluff (particularly if you've had some late payments, etc.). If they refuse to work with you, follow through on your threat to walk, and transfer your balance to the new card. You're the customer, after all.

As far as what credit card, there was a glowing review posted on this board for one just yesterday. Read back a few messages and you'll find it.

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