or that they will notice the rates should have been changed 3 months ago and they will do it now and if i hadn't called they wouldn't have noticed and i would have sailed along under their radar. good grief, when i type that i see how wacky it is.I don't think that the customer service reps have as much initiative as you fear.With the ability of computers, I find it much more likely that changes in terms of service and interest rates are all automated. The company gets an update of your credit report and their computers make determinations about what that means for your rate.So call them up and ask when the rate expires. They are monitored for call volume so your call would be a short quick answer that would help with their average calls per hour.
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