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I have a balance with Chase MC of $200.& a rate of 27.00% with a decent history 1 late in 8/09.
I desparately want to change cards. I pay off this card during the first week of every month quite consistently yet they will not offer me a rate any lower than 27.00%! They had indicated that once in August 2009 I made a late payment which I believe was a banking error nonetheless that was over three years ago. Advice please.

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