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March 19, 2008

How To Harass Your Credit Card Company Into A Lower Rate

CBC News has reported that they were able to help some people lower their credit card interest rates by calling the credit card company and asking:

I think I've been a good customer. I'd like to stay with you, but I really want you to lower the rate on my card. Can you help me?

The article goes on to state that you should ask for a supervisor and ask again if you get turned down.

I've found that if you do get turned down by the supervisor that you should keep calling back and asking until you get a rep that is willing to lower your rate. for me, it took two calls to one credit card company and as many as eight calls to another. Persistence paid off as both my cards are now under 10 percent.

Whatever you do, don't let lower rates fool you into spending more. It's always advisable to pay off your credit cards in full each month and never use them to purchase anything that you cannot afford to pay in full right away.

[Skeptics surprised after negotiating lower credit card rate]

Posted in How To & DIY , Random Thought by usrbingeek at 2008-03-19 00:39 ET (GMT-5) | 0 Comments | Permalink


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