A place to share thoughts on secured credit cards
They dropped an average of five or six percentage points off their annual interest rate, and some of them got perks like zero percent interest for six months. One customer more than halved her exorbitantly high interest rate, an important consideration if you have a credit card for bad credit. If the credit card company refused the customers' requests, the customers suffered no penalties. As long as you are civil, requesting a lower interest rate is a risk free method of improving your interest rate with an excellent chance of succeeding. You can use the same method to ask the credit card company to waive your annual fee.