- Platinum Member
- Posts: 64
- Joined: Sat Nov 01, 2014 5:49 pm
- Location: Texas
I've carried balances before so I know what it's like. When I did, I would frequently call and request rate reductions. If it's worth bothering about, it should apply to the entire outstanding balance. To apply it only to new charges is ridiculous. If you are at the point where you are carrying a balance and anticipate doing so long enough to be worried about rate reductions, you shouldn't be making any new charges anyway. If it were me, I would look for a balance transfer that makes sense. Remember to mind the BT fee.