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every 6 months to a year my rates get jacked up to the 16-20% range. All I do is call and ask for the retention specialist department. (aka, "I"m going to cancel my card" ) and once there they have the power to do anything to keep you as a customer. I've just did this again recently and dropped my rates from 13-15% down to some with 0% for a year and others with 3% for a year. It does help i've had the same 2 accounts for nearly 9 years in excellent standing (aka, i pay something every month) and for about 4 years of that I had the balance paid in full, but going back to school extended me beyond my means.
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