Just trying to help...

I had a woman call today asking to lower her interest rate on her credit card. She had an outstanding balance close to $5000, with an APR of 17.99%...slightly above average. Because of the high balance, I had to request a rate review from a manager, but in the meantime would she mind if I discussed some other opportunities on her account?

You see, I'm looking at the big picture here, and there's more than one way to save money.

She had some 0% balance transfer offers that would save her interest on other accounts, but claimed she didn't have any other credit cards that she was paying interest on...okay, scratch that, moving on...

I could see that not only is she paying off a high balance, she's continuing to use the card, charging several hundred dollars each month. She pays the minimum due or slightly over; even if I can lower her rate, she's still digging herself into a hole. So I offer her this:

I can take the remaining available credit on this account and use it to open up a new card. You still have the same amount of total credit with this bank; it's just split between two cards. You stop using card A and begin paying down the balance without being charged any additional interest.

Because card B is a new account, I can offer you the promotional rate of 0% (ZERO!) interest on all purchases for the first 15 (FIFTEEN!) months. Therefore, you have a credit card to use for your daily needs...without being charged any additional interest. After the promotion has expired, the APR will be 14.99%, which is considerably lower than your current rate.

She completely flipped her shit. 

Apparently this was a terrible idea because then she would have two separate payments and that is just ridiculous. Even though those two payments combined would be much less that what she's paying now. My manager was able to lower her rate to 13.99%, which is great, but let me just recap real quick what she turned down:

I gave her an opportunity to use that credit with NO INTEREST for fifteen months. By the way, I also explained that the existing balance would still be lowered to 13.99%...I was simply offering her an additional opportunity that would allow her to make new purchases for zero interest.

She would rather pay the 13.99% than have a second bill.

I don't even know what to say. I'm just going to leave it at that.