Speaking of MBNA, I called them a few days ago to request a lower, ie more competetive, rate. The trick used here though is as follows:Sir, you currently have an introductory rate for any balance transfers to your account of 9.9%Well, this would beat my CU rate of 11.9 so they have effectivly dodged the request for lower rates. Since I was basically requesting them to match my CU rate....Does anyone have any recommendations as how to negotiate or should I just transfer the balance
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