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I did, they offered me a "great" new rate of 11.9%. I think the rebate is awesome but MBNA sucks.
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Prolly shouldn't tell you this..But oh well it's an anynoumous board...
right no one will find out who I am!
But you can pit the card companies against one another.
With Chase our merger Bank One we are now the largest provider of credit cards in the world.
Pre-merger we were like no.#3 or #4 with CitiBank being at the top.
You think we want to keep that title? Managers wear it like a badge of honor.
I can't go into details as it is propriatary info but we will be granting even more cards post merger to get our new "brand out" there to the public.
Our new logo says it all "Your Choice your Chase" and we want to be your first choice in everything!
Staying on that topic one of the guys in retention that I was casually flirting with told me that they have low rates that they won't advertise publically.
So just make up a preferable rate (within common sense) and tell them look I have been a good customer (but only if you have). And say Captial One,Citibank etc is offering me this rate.
If they want to keep your business they will offer you that rate if it's available or something damn near it.
And they sure the hell can go lower then 11% don't settle for that sh*t Montana.
-Matthew
[/ QUOTE ] Isn't Chase/bank one owned by First Data?