Rants about credit card application
You are probably resigned to those high interest rates, too, because the only way to lower your rates is to wait for your credit card issuer to decide to lower them. or is it? People across America have discovered that there is a better way to improve their credit card terms: All you have to do is ask. The method that produces the most results is to call your credit card issuer and tell them that another company has made you a better offer and you are considering switching to them. The customer service representative might send you to someone who specializes in convincing reluctant customers like yourself to stay, or you might stay with them throughout the call. Either way, when you are speaking with someone who can change your interest rate, lay out your case politely and calmly and be prepared to negotiate.