I currently have a Washingto Mututal credit card that still have 0% APR until September 2007. I've been using the card but paying it surrounded by full every month. When the 0% expires, the APR will go up to 9.9%.

I applied for an American Express Blue card because of the 0% donate up to 15 months. I received it today and the offer is solely good for 6 months, consequently my APR will go up to 19.23%.

Can I re-negotiate extending the 0% hold out with any of these cards? Any tips on doing that? Is there also a path to re-negotiate my APR with American Express, or should I a short time ago cancel that card? (People told me AMEX is a polite card to have, but I believe the APR is ridiculous compared to my other card!)

These cards will only be used contained by emergencies and will pretty much be remunerated in full respectively month. Also, my credit score is contained by the 730 range. Any suggestion would be appreciated!

Answers:
I heared if you contact the credit card company directly they may extend the offer. The APR is pretty high-ranking for the AM EX. I would see if your local bank have an offer to product.

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If you are in honourable standing with the company, next call customer service and cooperate to them.

But, if you are paying your balance stale every month it doesn't matter what your interest rate is.

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