What to do when the credit card company won’t lower my apr?
I’ve been a Capital One customer for over 11 years. I’ve been late once over the course of those 11 years and I’ve been watching my apr get higher and higher. I’m currently at 17.80% and I’ve called and called trying to get this lowered. I’ve spoken to supervisor after supervisor saying the same script. “You’re not eligible for any offers at this time because of that late payment. Keep checking back with us”. I’m so sick of these credit card companies. What am I doing wrong? Why are they offering 0% to get new customers, but aren’t trying to keep my business? I’m looking for hard hitting, solid answers from real consumers with real advise– no smarty-pants or kooks please. Thanks in advance.
What you need to do is pay your credit card debt down to zero. Prove to them that you don’t need them.