Call your credit card companies and ask for the best rate!

They will more often than not be able to give you a better rate especially of you slipped due to late payments.

Do this at least quartely. If you siwtch cards altogtehr to get a better rate, make sure you cancel old cards. Do not start to collect credit cards.
Posté le 14-01-2008 09:18 | 3 Commentaires | 0 fois favoris | Rapporté 0 fois comme inapproprié


#1     Canceling Old Cards: This can have a negative effect on your credit rating. Transferring the balance from one Card to another is one of the best options. Most companies will close your account without a bad point to your score if you leave it inactive 3-6 months.
Procrastination Takes Time.
Posté le 17-01-2008 01:35
#2     Additionally, When you ask for a better rate they will sometimes offer you a larger spending limit, or increase your credit line. This is good sometimes, but check that your APR and grace periods are all the same. Also an increase in the credit line normally involves a $25US-$30US charge which they will gladly apply to your account.
Procrastination Takes Time.
Posté le 17-01-2008 22:13
#3     Asking for a lower rate was an intimidating task for me, but I found a script on, in Oprah's debt diet section, to follow when speaking with the credit card representatives. Believe it or not, it actually worked. Here is the link:
Posté le 10-02-2008 03:16

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