Got this letter in the mail, from AT&T Universal (just Citibank with the 3rd face of Satan) regarding “Is your AT&T Universal Card meeting your credit needs?” and goes on to state that “we’ve noticed you haven’t used your card in a while, what can we do to enrich your credit experience?” and they make such awe-inspiring claims as “The point is, when you call us, you call the shots.” and “We’ll make it worth your while.”
They weren’t ready to make it worth my while, nor were they ready for me to call the shots, as it were.
I read the letter and called them up and told them that I’d like them to cut my APR to 5.99% permanently and offer me a 3.99% Balance-Xfer for the life of whatever I xfer to the card until it is paid off. They were very conciliatory and told me that they’d be happy to meet my 5.99 request but only for 6 months.
I thanked them for their time and put the card back in the satchel of unused plastic.
They weren’t really serious, and I’m not really serious about using it. Funny how that works.