Discover more about credit cards for bad credit
If the credit card company refused the customers' requests, the customers suffered no penalties. As long as you are polite to the credit card representatives, asking for a reduction in your interest rate is risk free and has an exceptionally high success rate. You can use the same method to ask the credit card company to waive your annual fee. If you want to change your due date or move to a better rewards program, you do not even need to threaten to leave. Just ask politely.