So you have a 19.99% interest rate that you pay with your credit card. Will you always pay this interest rate? Maybe some day your credit card company will drop your interest rate because you are such a good customer, fat chance. You can give yourself a chance though if you call them and ask them to lower your interest rate. Most of the time they will, especially if you are a long time customer. These credit card companies want to keep you as a customer and know that you might have better options than them.
If you pay an annual fee for your credit card you can get that waived also. If you pay a monthly participation fee you can get that waived too. Remember everything is negotiable! You are the customer and deserve to be treated right.
Did you get hit with a late fee of $25 or $30. Give them a call right away when you get your bill and ask them if it can be waived. You might want to tell them that you have multiple cards and are looking to see which ones you want to close. This puts you in the drivers seat as mentioned earlier, they want to keep you as a customer.
Welcome to CREDIT CARD SMARTS!
Let's face it, in today's world your name is only as good as your credit. Maintaining your credit should be one of the most important things in your life. By browsing "Credit Card Smarts" you will learn beneficial credit tips that will help you build your credit score. Enjoy all of the information that you can obtain from this site.
If you have never had credit before and are finally ready to start building a credit history, this site can help you.
If you have had credit in the past and basically "screwed it up," you may need to re-establish your credit. Let "Credit Card Smarts" help you.
If you have good or excellent credit, we can still help you by sharing the most valuable credit card tips that you can find online. No matter what your situation is, you will greatly benefit from this site.