When is the best time to negotiate APR reductions, CLI's, and combinations of cards? I don't necessarily need CLI's on most of my cards, but I would like lower APR's and to combine some. Should I use the card, PIF, and then call? Should I call the backdoor numbers, or just call the number on the back of the card.
Should I not use the card and then call and say I'll use the ard more with a lower APR?
And on any card that I recently got a CLI, Discover, Cap1, and Citi, should I wait 6 months before asking for a APR reduction or a combination of cards?
What do all of you recommend as the bast course of action?
