Comments on: Searching for New CC

Question: Searching for New CC

bleucube — Wed, 05 Mar 2008 07:28:30 -0800

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?

By: sharkfu

sharkfu — Wed, 05 Mar 2008 07:31:25 -0800

Have you started your research at bankrate.com?

By: blue_beetle

blue_beetle — Wed, 05 Mar 2008 07:45:34 -0800

Compare Credit Cards and Rates at CreditCards.com

By: willhslade

willhslade — Wed, 05 Mar 2008 07:52:34 -0800

Fatwallet is the ask.mefi of finance.

http://www.fatwallet.com/forums/finance/711457/

By: willhslade

willhslade — Wed, 05 Mar 2008 07:53:04 -0800

OK, I meant.

http://www.fatwallet.com/forums/finance/711457/

By: emd3737

emd3737 — Wed, 05 Mar 2008 07:57:11 -0800

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!

By: bleucube

bleucube — Wed, 05 Mar 2008 08:17:12 -0800

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.

By: jerseygirl

jerseygirl — Wed, 05 Mar 2008 08:37:53 -0800

I've always used myrateplan.com

By: bleucube

bleucube — Wed, 05 Mar 2008 09:30:04 -0800

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!