Quote:
Originally Posted by Surfah
Could you maybe threaten to close the account unless they wave your annual fee?
I have no clue how any of this is calculated and I doubt you'll be able to find any sort of calculation on how this works out. Credit is a mystery to me and I think it rather absurd that you don't have access to it but anyone else with your permission can see it and then not discuss it with you.
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I hadnt thought of that, but I am sure you can. In the early 2000s I told them that they needed to lower the APR or else I would get really mad. For whatever reason, they listened and lowered the rate.
We try to be pretty good at not carrying a balance, so truthfully, even the monthly APR isn't a huge issue to me. I just don't want to pay any more annual fees.