Consumer Relief – The guerrilla guide to getting what you paid for (without getting arrested)

Anne Braswell decided that the interest rate on her Citi MasterCard, 13.99 percent, was a little steep for her taste. She called customer service and asked if she qualified for a lower rate. The rep said no but told her to try again in a month. Braswell said, “Well, you can probably see from my account activity that I’m no longer charging any purchases to this card. Don’t be surprised when you see my entire balance get transferred elsewhere.”

With those words she was put through to a retention specialist, who bumped her rate down to 3.99 percent. Braswell says the moral of the story is “It never hurts to ask.”

A Citigroup spokesman agrees: “We are pleased that our standard practice was followed in achieving a satisfactory result for the customer.”