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Reply to "Has anyone successfully negotiated down credit card APR? Tips?"
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[quote=Anonymous]Definitely find a balance transfer rather than negotiate. I queried my longstanding CC (the first one I got as a college student 25 years ago) about a lower rate because I got so many balance transfer offers but figured I should stay put if I could. They not only denied it but then they cut my credit limit. I destroyed the card, paid it off, and never used it again. (It took a while, and I still have credit card debt, so I'm not a magician or a preacher here, just wanted to forewarn you that the CC companies are not your friend.)[/quote]
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