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Hello All,
This is my first post on any board or site. After reading some of the information here I can see there is definitly value. My question is this: I have an MBNA Gold Option account at 15.99% with no available credit attached to it. I'm paying off the balance after getting rid of all my credit cards. I have found on-line a site that for $14.00 will tell me the secret to getting a lower interest rate form MBNA. Before this fool and his money go seperate ways (yes, it is only $14.00 but...) is there such a secret? According to the marketing hype there is a specific way of accomplishing this which not everyone knows hence the secret. Whenever I have called MBNA to ask for a better rate they tell me there are no other rates to be had.

Well, i've droned on long enough. I look forward to future responses and post. Thanks in advance mtf00l.
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