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I have a Citi card with a balance of around $1800 with a 7.99% interest rate. My limit is $8000. They told me that they are going to up my interest to 14.99% or I can keep the 7.99% but when my card expires at the end of November they will not send me a new card. I am a good customer that has never been late making payments and I pay over the minimum. I am keeping the 7.99% but am wondering if I don't pay off the balance before my card expires, will it cause a negative effect on my credit.
Citi did this on my moms card and she called and product changed to another card and they gave her a better rate.
just call them and ask them to give you your rate back and if they say no, ask about product change to lower apr.
@Creditaddict wrote:Citi did this on my moms card and she called and product changed to another card and they gave her a better rate.
just call them and ask them to give you your rate back and if they say no, ask about product change to lower apr.