July 2016

I’ve been with this company’s card for years. I was out of the country a couple months back and missed a payment. The interest rate shot up to 27% and they said they could not lower it back. They said, I should try again and ask them in a few months. Anybody else with a better solution? I would switch companies in a heartbeat, but I have quite a sizeable balance, and at this point, I don’t want to apply for another card with someone else as my credit has been blemished in the last 6 months with delayed payments, etc.

I have a couple of Chase cards that I am desperate to pay off-they are really quite wretched. I also had a late payment and my rate jumped from 14% to 24%! One late payment on a card that’s at least 4 years old! On the other card, I paid it off, then was forced to use it again before I closed it. They penalized me for paying it off!! That card jumped to 24% also!!

The one card that I’ve had the longest and have never had any problems with is Capital One. My husband has a card with them for business and it’s the same story. They have been most helpful! I don’t know if they can help you, but it might be worth a try.