Francesca L asked:



The credit card debt and put smaller down on home rather than using all that we should pay off all that debt and take care of it another way such as refinancing our mortgage in credit card debt since the credit card.


Jane

amy z asked:


I have the Citibank Platinum Dividend (not the Student version) card with a 18.99% interest. I think it is ridiculous to have a 18.99% APR. I have a great credit history although it is rather short (I am 21/student and started this card at age 18).

I have never been late and I always pay in full so it never really mattered to me. But I feel, after proving myself a responsible credit user for 3yrs, they should cut me some slack. My credit limit goes up every few months (almost $20,000 now) but the APR never goes down!

I called about it and they said there is nothing they can do now but call again in 2 weeks. This is the only request I’ve made in 3yrs. Should I just dump Citibank and go with another bank? I’m afraid my credit score would go down since this is my longest-running card.

Advice?

Denise

oh asked:


I am a college student trying to establish credit and am looking for a card with a low fixed interest rate. I don’t know where to look because there are so many choices out there. Are there any suggestions on a card or on a range of fixed interest rates that i should look for?

Bryan

Tonya in TX - Duck asked:


I know that credit card companies aren’t REQUIRED to lower theirs, but they usually do, right? So can I call my credit card company tomorrow and ask for a lower rate, or should I give them a week, or what?
All I know is that about 6 months ago I called my credit card company and asked for a lower rate. It was at 13.99%, and after spending about 30 minutes on the phone with two very nice gentlemen, I was able to lower my interest rate down to 10.5%, and renew or something a promotional rate from 7.99% for 6 months down to 3.99% for the life of the loan. I asked them how often I could do this and they said whenever the rates change, I could call and ask - I might get it, I might not.
I just thought that I might need to give them time to get a new rate into their system, and with it being more than the .25% change that was expected, I thought it might take a little more time. But I’m not a financial wiz, or I wouldn’t be in debt in the first place.

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jorst asked:


I declared bankruptcy three years ago. I’m being deluged with credit card offers. Is there a best card to go for, a best interest rate, or should I just forget the whole thing and stick it out with my Visa debit card I have through my bank?

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Ann asked:


I’m trying to build my credit. I recently turned 18 and I want to apply for a reliable, low-interest rate credit card. Which one would you recommend from experience?

Edwin