Fielding cold calls about credit card rate reduction during your free time can be a real drag. You spend enough of your time working, so you will most likely want to use your evenings and weekends to hang out with your partner or some friends as opposed to knocking back telephone salespeople.
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It almost sounds too good to be true, but you can sometimes score a lower interest rate on a credit card simply by asking for one. Before you pick up the phone to give your card issuer a call, it can help to do a little prep work up front. Check your credit reports and scores.
There’s an art to negotiating lower interest rates on credit cards and Debt.com’s founder Howard Dvorkin is an expert. Learn Dvorkin’s top seven tips for how to get a lower interest rate on a credit card, so you can reduce APR, save money and pay off debt faster.
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Negotiate a Lower Credit Card APR with This Script If you carry any credit card debt, you want the APR or annual percentage rate to be as low as possible. Sometimes, all you have to do is call to.
Yes – you can just ask for a lower credit card interest rate, especially if you have been diligent about making all your payments on time. In fact, I did it myself. Here’s how! We have three cards, so I decided to see if I could ask for and get lower interest rates by making a phone call.
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To lower the interest rate on a credit card, start by improving your credit score, which you can find on free websites like Credit Karma or Credit Sesame. Look through your credit report and pay off any balances you owe to lower your credit utilization ratio, which you want to keep under 30 percent.
The FTC says that if you’re looking to reduce the interest rate you’re paying on your credit card purchases, your best bet is to handle it yourself for free: call the customer service phone number on the back of your credit card and ask for a reduced rate. Be calm, patient and persistent.