What Ive learned about bad credit credit cards
(If the first representative who answers isn't able to help you, politely thank them, and call again at a different time. Other representatives may have more leeway or may know a loophole in the regulations that the first representative didn't know about. ) The worst the company can do is say no. If they're not willing to lower your rates, switch to another card that offers you better rates up front. * Call your credit card company and ask for help.