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Okay gurus,

Here's a question for you. I am in the process of improving my credit scores which i have been very successful doing in the last several months; however now i am facing dilemma. I had a Discover Card account which i had maxed out. I have brought the card below the limit having sent them 1000.00 and some change :) I called over there this afternoon feeling as though because I have made consistent monthly payments over the last several months (on time) that they could do something to reduce my interest rate of 19.99 percent. The gentleman on the other end of the line said, "No ma'm we cannot do that because the account is closed." I don't want to reopen the account with the chance that they might lower the interest rate (which they don't gaurantee) and take a hard hit on my credit. Any ideas of leverage that I could get that lowered?


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Start by making it a point not to talk to those things on the other end of the 1-800 number.

These people follow a script. They are not authorized to do any thinking on their own, and they're only good for audibly giving you your account balance.

Take issues like this to the executive level - it's no gurantee they will bend, but it beats getting the generic answer spewed by drones.

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