In the beginning, Barclay would not give me the time of day. Come 2016, within nine months, they rolled out three different cards for me: Jet Blue, BarclayCard Rewards and CashForward. It took awhile but I ultimately paid off the CashForward card. Now I am working slowly but surely to pay off the other two cards. I have yet to miss a payment on any of my obligations. I was recently shot down for the Apple card and I accept that-- them's the damned breaks, eh? Would this be an opportune time at which to call in and request a lower APR? With whom should I address this request if I go through with this plan? Thank you for your time and consideration in this matter. Thanks for everything, kids.
The degree of one's emotions varies inversely with one's knowledge of the facts: the less you know the hotter you get.
--Bertrand Russell