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visavisa
lkbrite said: "just wondering how to get visa to lower intrest.i have never missed a payment with visa in 4 years.i got laid off last year and lost my good credit.good old visa raised my intrest to 25%.i called to no avail.also the credit card i have i got was thru my bank,are they associated in any way with my bank.could they mess up my reputation with my bank. thanks."
credit_card_collector said: "If you had missed some payments it will take a good while of perfect payments before they will lower the interest again. If the card is through your bank then it is probably issued by your bank and then yes they probably know about your late payments on the card, but as long as your paying their card on time now I do not think there will be any negatives for continuing to bank there and I am sure they still value you as a customer, they know times get rough. Your only option might be to apply for a low interest card and transfer the balance from your high interest card to this card. Do this if you are not willing to wait for them to lower your score due to timely payments. Also so we can determine what card would be best for you (I can suggest some) what are your credit scores and the balances of your credit card accounts as well as the limits on the cards?"