Do you have a credit card that really suits you? Are you satisfied with its terms and conditions and with service provided by your credit card issuer? According to the statistics, more than 70% of cardholders are not fully satisfied with interest rates on their plastics, but for some reason hesitate to ask their bank for better conditions.
If you are a responsible credit card user and have high credit score, it will be easy for you to get a better deal! You just need to find the right time to do it! Find out when it is high-time for you to make a call and ask your bank for better conditions.
In case you have good credit and have a reputation of reliable cardholder, but think that you are paying way too much for fees and interest rate on your credit card, may be it is time to change this unfair situation?
It is well-known that the competition among credit card companies is rather stiff, that's why more and more credit card applications for best credit cards appear on the market every year. Some financial specialists, for example Craig McKinley, thinks that you are doing your credit card company a favor by being its customer! All credit card companies, even big and major ones like Visa, Discover, American Express and MasterCard do their best to keep you as their customer. Are you surprised? Credit card companies earn money, because you are the one who pays penalties, fees, interest rates, etc. Always remember that you are the one who brings the profit to these companies! Credit card business is so profitable, because of you!
But how to find the right moment to call you credit card company in order to ask for better interest rate? If your APR is over than 12% even though your credit history is good or excellent, don't hesitate to make a call! It is obvious that a customer with good paying history deserves lower interest rate! Most credit card companies share this opinion and will probably give you a better rate.
But what if your credit history is far from ideal? If your card has a sky-high interest rate, it is still possible for you to get a better deal!
My sister Sue was using her bad credit card for a year and a half. She managed to keep her balance low and made all her payments on time. I guess, Sue was a perfect example of a responsible credit card user. Her credit card company has noticed that too, that's why when she called her company and asked for a better rate, she got it!
You can get it too! Credit card companies don't want to loose you as their customer. Don't hesitate to ask them, be patient and persistent, and then you will definitely get a better deal and lower interest rate!
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