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"You know my credit score is well above 700."
Why: Issuers want to cut risk, so an excellent score is good leverage.
"I'd like to make yours my primary card, but I have better offers."
Why: The more you charge, the more the issuer makes in merchant fees, says Bill Hardekopf of LowCards.com.
"May I speak to your supervisor?"
Why: She'll have more authority to cut a deal.
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