What are some tactics you've used successfully to get a lower interest rate on a credit card?

what are the magic words that can turn 16% into 10%?

What are some tactics you%26#039;ve used successfully to get a lower interest rate on a credit card?

Make your payments on time eventually you wont have to ask for a lower interest rate, they will offer it to you. when you get a very good rate, put the other cards debt on it, and pay it off at a lower rate, then you will build your credit even further, and you will be offered and even better rate.

What are some tactics you%26#039;ve used successfully to get a lower interest rate on a credit card?

glad i could help Report It

What are some tactics you%26#039;ve used successfully to get a lower interest rate on a credit card?

First just ask. I have 3 cards right now and I just asked (after making a couple of on time payments and showing I was a good loyal customer). 2 of the 3 said yes without me having to grobble or beg. Conversation went like this: Me %26quot;I know this is an odd question but can I get a lower rate?%26quot; Them %26quot;Sure would 12% work for you?%26quot; . That simple. The last card I just mentioned that there were so many options open to me and I already had 2 cards so I asked them to cancel my account. After a very short hold they came back on and dropped my rate 7% right on the phone. So the short answer just ask and be prepared to ask to cancel the card, but 66% of the time it won%26#039;t get to that.

What are some tactics you%26#039;ve used successfully to get a lower interest rate on a credit card?

tell them you%26#039;ve a loyal customer, always paid on time, got an offer in the mail for lower balance, don%26#039;t want to move it really, can they lower the interest rate, if not move it.