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Originally Posted by shadrock
Wht do you recomend for the best credit card available? I have a MBNA platinum rewards card which used to have 6.9% rate and other good benefits. I usually pay in full each month but sometimes carry a balance when needed. They are raising their rate to 8.9% so I thought I might shop around a bit. Any recomendations?
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I have an MBNA card, as well.
I wouldn't complain, as that doesn't always get the best results in my experience.
What I have done is that following:
"I have been with you for X amount of time and I appreciate the excellent customer service you have given me. I understand you are raising your rates, but I hope you understand that, as a consumer, I need to ensure I have the best possible rate for my finances, as well. I'm hoping you can speak with someone to reduce my rate since I want to remain a customer of MBNA over (other card offer)."
That always works for me. They aren't going to drop it to the amazing 0 or 1% you got in the mail, but they will keep it at the 6% and usually even offer a 3% or something for 6-8 months.