credit card

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firstly cut it up and stop using it. Switching is good if you are prepared to be disciplined about paying it off
 
its in the bin for good :D tried halifax but the turned me down.any others i could try.its a mbna card at the mo.:eek:
 
Ring MBNA and specifically ask if there are any discounts, special rates, anything that applies to your account with them. If you don't specifially ask, they are supposed not to tell you, that's the company policy.
If you still get no job from them ask for Customer Loyalty and complain loudly, say how unhappy you are, thinking of switching etc etc. They can make the decision to lower your interest rate.
 
To the OP-you are a regular enough poster to know our Guidelines-post in the correct forum and use a title that is relevant to your query.
 
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