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shadrock, call up MBNA and complain. Threaten to switch your business to another card. I bet they'll keep you at your 6.9%, if not lower it. It won't hurt to try.
I have an MBNA card which was at 15.99%. I called up and said I had offers in the mail to switch to lower APR cards. They ended up lowering my card to 13.99%. Might not seem like much, but it's something.
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Absence is to love what wind is to fire. It extinguishes the small, it enkindles the great.
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