How to talk down credit card interest rates?

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    • #221828
      Anonymous
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      Im currently paying $180 a month minimum payments on $8000 debt at 24% apr

      I have heard you can talk down apr’s by threatening to switch to another card…but I clearly can’t do that because there is no way I can pay it off. I’m sure they will realize this if I called so I’m afraid to.

      Do you think there is any way to get it lowered? I’m trying to get another job so I can make more than minimum payments but so far its been a no go.
      Its a credit card through ‘”first financial bank usa” I can’t just walk in and talk to them

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