Ok so I've been saying for about a week or so now how I need to call in and see if I can get my interest rate lowered. But I never get around to it because I don't have my card with me (so don't have the account number) or I am at home where the card is but I don't feel like standing outside to talk on my cell phone (my apt isn't condusive to anything more than brief conversations without dropping calls).

Saturday I put my credit card in my wallet with the intention of calling in about it when I stopped by work for something. Only I didn't have time and I forgot about it.

Today I just bucked up and did it. I printed off the little suggested script to use when you call but then at the last minute ditched it and just plain asked. (the script suggests a more forward approach). The CSR I spoke with was really nice. He lowered my rate from prime + 10.5% to prime + 5.5%! I didn't even know my rate had gone up another .5% until I called and asked what it currently was!! Darn prime and all.

Anyway that still makes my day, I got it lowered and now that I know I can do it I'll try it again in a couple of months. The script also said I should talk to a supervisor, praise the CSR, and again ask for another reduction. But I just don't have the balls for that.