Wednesday, December 2, 2009

How to Lower Credit Card Rates

Posted by Lindsey Connell

If you are unhappy with your credit card rate and wish for it to be lowered, the solution may be just as simple as you asking the company. In a survey conducted, half of credit card users lowered their credit rates simply by asking for it. If you think about it, credit card companies want to make money so they will not lower rates unless they know that they may lose you as a customer if they don’t. If a credit card company denies this lowering, maybe you can make a deal so that it is temporarily reduced and that is better than nothing. A major reason as to why credit card companies may cut you a deal is because there is so much competition among them and other credit card companies. If their rates are too high than they will lose customers so once complaints begin flowing in about how their rates are too high, they may drop them lower for all their customers in fear that they will lose them. Also, if you are denied this low interest rate, the company is legally obligated to explain why to you so you can take that feedback, improve or change what you did before and reapply.


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