Bad credit credit cards, online exploration
The method that produces the most results is to call your credit card issuer and tell them that another company has made you a better offer and you are considering switching to them. The customer service representative might send you to someone who specializes in convincing reluctant customers like yourself to stay, or you might stay with them throughout the call. Either way, be polite, lay out your case calmly and methodically, and be willing to negotiate. If the first representative cannot make you an offer you like during your first call, thank him or her, hang up, and call back later, when you might get a representative who is more willing or more able to help you. (Although customer service representatives are required to follow regulations, they have some leeway in how far they are willing to go for a given customer.