Do you have credit card debt with interest rate greater than 12%? Follow this script immediately!
Call your credit card company and Lets do the hustleramaaaaaaaaaaa!!!!!
- CSR: How can I help you?
- You: I would like to speak to retention please
- CSR: Okay..no problem
- or CSR: We don’t have one..Is there anything I could do for you?
- You: Yes, I have a balance of over **K with 18% interest. I just received an offer from Discover for 0% Balance Transfer for 12 months with no fees.
- CSR: okay
- You: I’ve been with you guys **years and I love staying with you guys, but unless you can lower my rate significantly, I will sign onto my new credit card and Balance Transfer all my balance to the new card.
- CSR: Maybe…let me talk to my supervisor.
- You: sure
- CSR: Sir, we can bring it down to 16%…that is all.
- You: That is not significant…unless you can bring it down to 6%…then
- CSR: I don’t think I can…
- You: I want to talk to your manager please.
- Manager: Yes, How can I help you?
- You: ***repeat your sad story above, of course you are BSing here***
- Manger: We can go down to 8.99%
- You: Okay
The above story will most likely to work but I’m not guaranteeing anything. You can’t lose anything for trying. If it doesn’t work…try again with a different CSR. If you feel bad for BSing… I’m certain that the feeling is not mutual from your credit card issuers when they take your money from finance charge each month.
{ 2 comments… read them below or add one }
hey hustler..thanks for the great tips!
I have a question or 2 ..
how do u send money ($1 )to your bank a/cs using paypal account every month? I see only emails/phone #s in the “send money” tab in paypal! Can i automate it to send it each month?
Once you have money in Paypal, you can go to the withdraw from account tab. You can as many banks as you like. I’m not sure on the automatic function…I don’t think they have one for paypal.