Negotiating credit card interest rate
I'm just wondering, is it possible to negociate a lower interest rate on credit cards issued by banks, if you've been a client for a while? I have a VISA with Laurentian, which is my first card, but the interest rate Is pretty high I find. I'm considering transfering my balance to my other card with a lower rate, but was wondering first if it's possible to negotiate the rate. If so, what are your tricks? I've always paid on time, I don't recall ever being late on a paymenr, and twice a year I clear my balance back to 0. I'm usually at about 60-80% in terms of limit usage, because I pay school with the card. Not sure if that helps.