Spacefem (spacefem) wrote,

credit card weirdness

I called my credit card company a month or two ago asking for a balance transfer... I was always getting offers for 0% transfers so I figured I'd just call and get one. They said the transfer would be 14%. that was higher than my normal credit card rate at the time. I couldn't believe it. I hung up.

This month I called them to ask about lowering my normal rate, and they gave me another number/time to call for that, but before they asked if I'd like to get a 0% balance transfer.

wtf? the girl on the phone said those offers come up randomly at the end of the call, she couldn't explain why they wouldn't just give me one when I needed it two months ago.

So apparently if you want to transfer a balance at no interest and can't find one of the junk mail offers they've sent you, DON'T call and ask for a balance transfer. Call and ask for something else random, and hope that you get one on the Wheel Of Offers that comes up at the end of the call.

go figure.
Tags: finance
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