Have you got anything other than a lower APR from a credit card by threatening to cancel/switch?

Okay, I know you can negoiate a lower rate with most credit card companies, but I pay off my bill every month, so I don%26#039;t care about the APR.

Is there anything else that you have been successful in getting out of a card company by threatening to cancel or switch? More perks? Lower fees? Longer grace period?

Always looking to get something for nothing,

--%26gt;Adam

Have you got anything other than a lower APR from a credit card by threatening to cancel/switch?

Sure...... I got a %26quot;.9%%26quot; from discover as the best tranfer rate...that is in the %26quot;retention department%26quot; when I paid it off and told them I didn%26#039;t care.... Then, to answer you......no annual fees and yes..higher perks...Some companies suck though.

Have you got anything other than a lower APR from a credit card by threatening to cancel/switch?

I found interesting information about your answer Here:

debt consolidation loans:

http://all-debt-consolidation-loan.blogs...

credit cards:

http://all-debt-consolidation-loan.blogs...

Good Luck!

Can you contact your credit cards and ask for a better interest rate?

We%26#039;ve been paying our bills on time for the past few months and have raised our credit score a great deal. Can I call the cards that have a high interest rate and see if they can lower them? Or will they not do that? Thanks.

Can you contact your credit cards and ask for a better interest rate?

You absolutely can... they usually say no until you play hardball. Tell them if they don%26#039;t lower the rate that you have an offer from another CC company that will give you 0% for a year. Tell them there is nothing stopping you from moving your business to this other company if they don%26#039;t lower the rate. Once they hear they might lose you, they will break.

Can you contact your credit cards and ask for a better interest rate?

Yes- Just call the 1-800 # on the back of the card and ask . How can lower my rate? It%26#039;s way too high !

Can you contact your credit cards and ask for a better interest rate?

I have only ever encountered one company who would not do it for me. All you can do is call and ask, most of the time, they should be more than willing as long as you are willing to give up some of the features your cards may have.

Ie: I had a GM Visa that gave a percentage of my purchases towards a new GM car. I was paying 18.9% interest, when I asked them for a lower rate card, I got a 10% interest rate, but of course lost the ability to put any money towards a new car. Not a big loss in my books cause they only allowed you a maximum of $2500 towards the car anyway.

It is worth the phone call, just do it.

Can you contact your credit cards and ask for a better interest rate?

Yes you can contact them and ask to be put on a lower rate, they don%26#039;t have to put you on a better rate.

I suggest transferring the balance on to another card with a lower rate and no fee for transfers, this should give you another 30 days extra to pay of the amount you owe and you will be on a lower rate.

You need to shop around for a better credit card alot of on line ones give you good rates. Transferring the debt to another card can sometimes be the only way to get a lower rate of interest.

Hope that helps

Can you contact your credit cards and ask for a better interest rate?

They might say %26quot;no%26quot;, but you won%26#039;t know unless you ask! A good way to approach them is to tell them you%26#039;ve always been happy with them, but you%26#039;ve been offered a lower rate by %26quot;someone else%26quot;...

Can you contact your credit cards and ask for a better interest rate?

You%26#039;ve gotten some good advice so far, but I wanted to add that if the first person says no, ask to speak to a supervisor. Don%26#039;t just accept the first person%26#039;s negative response.

Can you contact your credit cards and ask for a better interest rate?

Sure you can. I%26#039;ve done it a few times, but be aware it always depends on the particular economic environment at the time. They may or may not be able. Just tell them, %26quot;I would like to make sure I%26#039;m getting the lowest interest rate that I%26#039;m eligible for.%26quot;

What's the lowest interest rate I could get on a $30k car loan with excellent credit?

I have excellent credit. Could I possibly get a 4% interest rate on a loan?

What%26#039;s the lowest interest rate I could get on a $30k car loan with excellent credit?

Sometimes you can get 0 depends on what kind of deal they have going on. Be sure to look at additional costs when you sighn papers sometimes the low interest doesn%26#039;t mean your paying less.

What%26#039;s the lowest interest rate I could get on a $30k car loan with excellent credit?

If this is a new vehicle then you should be able to get a 0% loan through the dealership. You may have to wait a couple of months until they come back with it, but usually around May or June most dealerships will offer The 0% again. But looking at the federal rates right now. It looks like the cheapest you will get is around 4.73%. One thing to always remember when going to a car lot, is that the % rate is just as negotable as the price of the vehicle. If the dealer really wants to sell you a vehichle, then they will use their resources to get you the financing you want .

What%26#039;s the lowest interest rate I could get on a $30k car loan with excellent credit?

It really depends on the vehicle. Some companies offer long term 0% rates with good credit, but the car company is subsidizing the deal to make that happen.

So without knowing the make and model it%26#039;s hard to say. Just remember the companies that offer amazing financing may have weak residuals, so although your payment may be lower, your car will depreciate faster.

What%26#039;s the lowest interest rate I could get on a $30k car loan with excellent credit?

Doubtful. Even prime mortgages aren%26#039;t that low.

What%26#039;s the lowest interest rate I could get on a $30k car loan with excellent credit?

Around 5% will be a good one but most of the lenders usually offers at 7-9%. You can go for online lenders also. Go for those lenders who are registered and are reputed organisation.

http://www.easycarloans.blogspot.com

What%26#039;s the lowest interest rate I could get on a $30k car loan with excellent credit?

By posing this question on Yahoo Answers, you%26#039;re inviting every scheming lowlife scammer to offer you a loan. And I guarantee they will reply soon. Don%26#039;t respond to anyone who offers a loan and has a generic contact email, i.e., yahoo.com. They are scammers. They will ask for money for proceesing stuf and you will not see a dime.

my little advice is that you go to a bank in your area to request for the loan and that is if you have a collateral, but if you want loan from those that give out unsecured loan without a collateral i know of someone that gives out unsecured loans, though he is the only one i have tried for now so i don%26#039;t really know if his interest rate is the lowest, here is their contact information if you want to contact them. (kingstonloaninc@live.com)

i am sure they can be of help to you.

What%26#039;s the lowest interest rate I could get on a $30k car loan with excellent credit?

It is entirely possible to get a rate for around 4% or lower possibly 0%.. However, this will be done through one of the automakers credit arms (GMAC, Chrysler Financial, Nissan/Infiniti Motor Acceptance Corp, etc)..

A bank is not necessarily your best bet, BUT a credit union usually will be because they are not subject to other requirements that normal banks are (and overhead)...

One thing to consider is the amount of rebate which is being offered... For instance.. If you are offered a vehicle with a 0% apr versus 6,500 rebate... Then you would need to do a calculation based off the rate you would receive if you took the rebate versus the 0% rate with no rebate.. In my example, with rates as they are today, you would do better to take the rebate because your cost of capital (or cost to borrow this money) is less than 6,500 over 5 years..

Hope that helps..

I would check out http://www.bankrate.com (and also check out credit unions in your area where you are eligible to join)...

Should I put my mtg refinance in my wife's name her credit score is 700 while my is 617 but I m

the mortgage people say to put in her name for a better rate because her credit. I have been paying the mortgage for the last two years in her name although I am on title.

Should I put my mtg refinance in my wife%26#039;s name her credit score is 700 while my is 617 but I make the income

She should be able to get a somewhat better rate than you, but does she have sufficient income on her own to qualify? I doubt it. Your protection is you are on title as you should be. If you can find a refi that is worth doing, who cares how it%26#039;s titled?

http://www.moranlaw.net/alone.htm

Should I put my mtg refinance in my wife%26#039;s name her credit score is 700 while my is 617 but I make the income

If the %26quot;mortgage people %26quot;will allow it, sure. But generally whomever has teh larger income is automatically the primary borrower.

Who has the best rate(or prices) on credit card/ debit machine?

I am a sales rep for a new, small company. We need to set up to accept credit cards and would like to know who has the best deal. Also I want to know if it is cheaper to accept debit v/s credit.

If you know a company to stay away from, please let me know!

Who has the best rate(or prices) on credit card/ debit machine?

When we got started we used pay pal cause there where no monthly fees and no product to buy. About a month latter the froze our account and we never got our money. So definitely not Pay Pal.

We now use a company that charges approximately 20.00 dollars a month and the equipment was $50.00 dollars.

As far a credit to debit. It is cheaper for the debit.

I will get you the information as soon as I can.

Who has the best rate(or prices) on credit card/ debit machine?

I would go with a company that offers free equipment like the ones on Ebay. Most of the companies will charge around 1.16% for debit and 1.71% for credit with a monthly fee around $10. Here is one company that offers free equipment and the rates I mentioned.

http://www.merchantccp.com

Mortgage 30 yr fixed rate changes if my credit goes bad?

I live in Southern California. I have a 30 year fixed mortgage at 5.4%. Currently my credit is good. If something happens and my credit goes bad, will my 30 yr fixed mortgage change as well?

Mortgage 30 yr fixed rate changes if my credit goes bad?

No, you%26#039;re thinking of the universal default rule with credit cards where your APR can go higher if you miss a payment on the aforementioned credit card or any other credit cards. But credit card payments are usually always variable.

With a mortgage, regardless of your credit score, your interest rate will remain fixed for 30 years if you%26#039;re in a 30yr fixed mortgage. The only downside is if you need to refinance down the line, or if you buy a new home.

By the way, you%26#039;ve got a great rate.

Learn more at http://www.thetruthaboutmortgage.com

Mortgage 30 yr fixed rate changes if my credit goes bad?

No. Not unless you have something strange in your loan papers that allows this, but I%26#039;ve never heard of such a thing. You rate is fixed for the life of the loan.

Mortgage 30 yr fixed rate changes if my credit goes bad?

If your loan is truly afixed loan, the interest on it can not change. If you decide to refinance however, your interest rate will be reshaped against your credit at that time. In southern California, a 30 yr at 5.4 is a good situation. I wouldn%26#039;t change that unless you absolutely have to.

Mortgage 30 yr fixed rate changes if my credit goes bad?

A 30 year fixed mortgage will maintain the same interest rate you started at for the life of the loan (the full 30 years) no matter how your credit score changes.

By the way, in case you didn%26#039;t know, you have a great interest rate for a 30 year fixed in California. Currently the interest rate for a 30 year fixed, no points is 6.250%.

Mortgage 30 yr fixed rate changes if my credit goes bad?

Bad credit is one of the worst problems to have... however there exists a solution.

I will hereby talk from my personal experience.

I did debt consolidation a couple of years ago, however If I had to do it again I would pay to some minor details,

if someone wants to get out of debt today it is pretty easy with a debt consolidation plan, however it may get a bit tricky at times, I suggest you get as much information as possible online on this first,

a good place to start in my humble opinion is astraight to the point ebook with question and answer I found :

http://umgarticles.atspace.com/debt-cons...

if it helps kindly remember me in your voting!.. cheers!

Mortgage 30 yr fixed rate changes if my credit goes bad?

no. you got a good rate there. if you look after you expences and not get carried away on it then you should be ok.

Mortgage 30 yr fixed rate changes if my credit goes bad?

No your interest rate will not change as long as you keep the current mortgage you have now. Once you try and refinance your mortgage that when you will see an hike in your mortgage rate. If you need extra cash try and get a home equity line or a 2nd mortgage on your home! What ever you do not refinance your mortgage with the interest rate you have now.

www.anycreditmortgage.biz

Line of credit or mortgage?

I have a mortgage that is up for renewal soon. As the rates are coming down, I am planning to go with open variable mortgage. Also, I will move to new house during summer. Most banks in Canada charge a fee (in addition to legal fees, discharge fee, etc) for early renewals and one bank offered me Line of Credit for the same rate which is same as Open variable rate. Also, I was told that for LOC, admin fee is around $80 and I don%26#039;t have pay any other fee if I go for another mortgage during summer.

I want to know whether I am going to pay more interest (i.e. 6 months) with LOC when compared with Open variable mortgage. Also, with LOC, will my principal go down as with a mortgage?

Line of credit or mortgage?

Based upon others judgement will not get the wise decision.However,other%26#039;s suggestion might be helpful.Here is a good resource for the question.http://mortgage.onlineidea.info/eloan-mo...