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T Zero posted:I'm in a bit of a tight situation myself. I didn't get a green card until after I finished college and ended up charging tuition to credit cards (I don't have any student loans or debt otherwise). Citibank told me that they would raise my interest to 30% if I didn't opt out, so I dropped it. This despite never missing a payment and regularly paying 1.5-2x the monthly payment owed. You aren't behind and they're raising your rates? Call up any other bank and ask about free balance transfers. (0% fee or 0% interest over X months. Run the math on which is better for you.) Tell them how much money you have on your cards and that you have a clean payment history. They'll pull your credit report and verify that. Once you've transferred all the money over call up Citi and tell them to get hosed. You have above average credit if you've never missed a payment, even if your debt:income ratio is off the charts. Ask these other banks about converting your card to a personal loan, but that is a long shot.
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Dec 2, 2009 08:18
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| # ¿ Apr 28, 2024 19:25 |
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