Searching for New CC

March 5, 2008 7:28 AM

I've been able to reduce my debt and build great credit. I only have 1 credit card and they refuse to drop my rate, its pretty high and I they nickel and dime you for everything. Does anyone know of a website or a deal on a credit card that has a low rate, good reputation and free or low transfer rate?
posted by bleucube to work & money (8 comments total)

Have you started your research at bankrate.com?
posted by sharkfu at 7:31 AM on March 5, 2008

Compare Credit Cards and Rates at CreditCards.com
posted by blue_beetle at 7:45 AM on March 5, 2008

Fatwallet is the ask.mefi of finance.

http://www.fatwallet.com/forums/finance/711457/
posted by willhslade at 7:52 AM on March 5, 2008

OK, I meant.

http://www.fatwallet.com/forums/finance/711457/
posted by willhslade at 7:53 AM on March 5, 2008

How pushy were you when you asked to them to lower your rate? I called once and told them that I was going to transfer my balance to another card and close my account. I just quoted the rate from an offer I received in the mail...0% for 1 year, then 12% or something...my current rate was ridiculously high, like 16%.
The operator transfered me to a supervisor, who offered me a new rate of 9.99%, which I accepted.

I once did a balance transfer to a Chase credit card because they had a 16 month 0% offer- the rate jumped up to 12.99% after that, but I was able to pay down a significant amount during the 0% time.

Good luck!
posted by emd3737 at 7:57 AM on March 5, 2008 [1 favorite has favorites]

Thanks for the all the resources! Will check them out.

@ emd373 I was really pushy. The guy basically said "I don't care" when I stated I was going to close my account and go somewhere else.
posted by bleucube at 8:17 AM on March 5, 2008

I've always used myrateplan.com
posted by jerseygirl at 8:37 AM on March 5, 2008

Compared the sites. Found a Citi card with no hub-bub and 12 month free transfer and very low rates! Thanks guys saved me a bundle!
posted by bleucube at 9:30 AM on March 5, 2008