I was fortunate enough to come out of school with no student loans, but do have $4364.11 in credit card debt over 2 cards. One is $999.03 and the other is 3,365.08. I just started reading your book yesterday, today I called the card with the higher balance to lower my APR from 19.99%. I have had this card for almost 4 years. My Mom had been paying the minimum for a year or so, but since I became full time I took over any other bills my parents were paying. I have paid $200 the last 3 months and my minimum payment is around $89. Anyways, I just called and asked, (I had to do no negotiating really, I just followed the script you have in your book) and I got my APR lowered from 19.99% to 14.24%, effective immediately. Basically, the $13.95 my girlfriend paid for your book will more than pay for itself by the time I get my next bill.See for yourself with full-chapter excerpts of my book. Then get the book at Amazon or B&N.
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