i started with prime+5% in 2009. I now have prime + 2%. I tried to get it down further, but they wouldn't budget. My strategy was to make a branch apointment every year and ask for a reduction of 0.5-1.5%. Its adds up over time.
Also when I go in, I try and make sure I have a balance on it, but not one that would be difficult to pay off. I would say something like "well...i do like having it and i do use it...but I don't really need it. That said, I want one, and I also like to do all my banking at the same place...so if we could improve it, I'd really like to..."
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