My little writings on credit cards for bad credit
If the credit card company refused the customers' requests, the customers suffered no penalties. As long as you are polite as well as persistent, asking your credit card company to drop your interest rate offers you no risk and an excellent chance for success. The same method can be useful for convincing your credit card company to waive your annual fee. If you want to change your due date or move to a better rewards program, you do not even need to threaten to leave. Just ask.