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I'm looking to lower the interest rate on my line of credit, and, before calling up my bank, I am wondering what kind of information I should have prepared that I can use as arguments when trying to convince them to do this?

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Having another source of lower interest credit, i.e. be prepared, if you are able, to be willing to shut down your line with this bank. Short of this, discussing your record of on time payments, current credit score, etc, may help.

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