Reply to I need to cash out my 401k

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[quote=Anonymous][quote=Anonymous][quote=Anonymous]You should be overpaying your CCs before you overpay your 3.3% car loan.

Can you move the $5k to another 0% card?

Do that if possible and cut up the first card so you no longer have access to it (but dont close it). Alternatively, call your CC company and ask them to lower you interest rate for 18 months. Threaten to move the balance and close the card (you must threaten to close - that's the tipping point that gets you to a person who can actually work with you - the first person you talk to will probably say no until you threaten to close the card). They may not permanently lower the rate, but they may move it to 3-5% for 12-18 months. [/quote]

I will shop around for 0% deals. I called the CCs a few months ago and asked for a lower rate, they ran my credit and said that because of my credit they couldn't lower my rate ( my credit is 685). I did not threaten to close the account though[/quote]

FYI, when you transfer credit to another card it will charge you a 3% fee so it's not really the 0% low rate.[/quote]

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