Question:
I currently have a Washingto Mututal credit card that still has 0% APR until September 2007. I've been using the card but paying it in full every month. When the 0% expires, the APR will go up to 9.9%.
I applied for an American Express Blue card because of the 0% offer up to 15 months. I received it today and the offer is only good for 6 months, then my APR will go up to 19.23%.
Can I re-negotiate extending the 0% offer with either of these cards? Any tips on doing that? Is there also a way to re-negotiate my APR with American Express, or should I just cancel that card? (People told me AMEX is a good card to have, but I think the APR is ridiculous compared to my other card!)
These cards will only be used in emergencies and will pretty much be paid in full each month. Also, my credit score is in the 730 range. Any advice would be appreciated!
Answers:
I heared if you contact the credit card company directly they may extend the offer. The APR is pretty high for the AM EX. I would see if your local bank has an offer to make.
If you are in good standing with the company, then call customer service and talk to them.
But, if you are paying your balance off every month it doesn't matter what your interest rate is.
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