Negotiate Your Credit Card Interest Rate

The interest rate on a credit card will affect how much you will pay a finance charge when it has a usage bill. The interest rate causing higher financial costs you more. You may be able to contact the credit card issuer to provide credit card interest rate is lower.

Steps that can make a phone call to the credit card issuer and tell it, "Hello, My name is (state your name), I was offered a rate that is smaller than other credit card issuers, can you do something to the card interest My credit is lower? ".

In addition to the above you can also take a more aggressive approach to get a credit card interest rate is lower: "Hello, My name is (state your name), I want to get a credit card interest rate is lower than your bank. I've received an offer with a lower interest rate than other credit card issuers, and will turn to them if I can not get a lower interest rate than you are. "

To further strengthen your argument in an attempt to get credit card interest rates lower may need to consider using the number of years in which you've been a customer (member since), the number of payments on time, your credit score (if it's good), and lower interest and offer provided by other credit card issuers.

Do not try to put less pressure on lenders / credit card by saying that you get an offer or have a credit card with a lower interest rate but do not have it. You'll probably get a response back that is not profitable.

In the end you will have had to be willing to follow up on the threat to move to another credit card with a lower interest rate as the lender does not flinch at your request.

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