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Want a Better Credit Card Offer? Ask Your Company for Better Conditions!
Have you already found the right credit card offer for yourself? Are you satisfied with the service provided by your credit card company and with terms and conditions of your plastic? According to the survey, 70% of credit card users are not absolutely satisfied with interest rates on their cards, but for some reason are afraid to ask the bank for a better deal.
Should you ask your company and bank for better conditions? When is the right time to do it? Remember that it is always worth trying, you just need to find the right moment!
If you are a responsible credit card user, who has good credit, but you think that your interest rate and fees are too high, then you are not alone! Credit card rates have been rather stable for the past couple of years, but that doesn't mean that you can't ask for a better deal!
The competition on the credit card market is rather stiff. Hundreds of new credit card deals appear on the market every year. So according to Craig McKinley, specialist in finances, you are doing your credit card company a favor by cooperating with it! Even well-known major credit card companies, like Visa, Discover or American Express are trying to do their best in order to keep you as a customer. It is not surprising! You are the one who brings profit to your credit card company. You are the one who pays interest rates, fees, penalties and as a result you are the one, who makes credit card business extremely profitable.
But what is the best time to ask your company for better conditions? If you have good or excellent credit, but your APR is over 12%, it is high-time to make a call! Most credit card companies will think that a good credit card user with good paying history certainly deserves to have a good interest rate.
But what if you have bad or no credit and have a credit card with high interest rate? If you were responsible with your card: kept your balance low and made payments on time for a year or so, you should give your credit card company a call and ask for a lower rate.
Some credit cards feature low interest rate for a specific period of time and then it gets increased. According to the new law, they are required to give you a notice two weeks before they plan to increase your rate!
Don't hesitate to call your credit card company in order to get a better deal! Remember they don't want to loose you. All you have to do is to be patient and persistent and then you will definitely get what you want!
Jane Stanley
07:52 AM, March 31, 2008
That sounds interesting, may be I will try to give my credit card company a call!
Yvonne H Geralds
05:34 PM, April 14, 2008
Why I Can,t Get A Credit Card With A 500-1000 Dollars Credit.
ARTICLES about Credit Cards | >> View all Articles
American Express Travel
October 24, 2008
American Express continues to please its loyal customers with exclusive card offers for frequent travel rewards. Its latest product, co-branded with Delta Airlines, comes with a catchy "Delta Reserve Credit Card" name and aims at wealthy and creditworthy customers looking for incomparable travel experience. It cannot be referred to as a cheapest deal among the rewards type, but the price for the outstanding benefits and additional programs is more than acceptable.
The $450 annual fee and a competitive APR on purchases and balance transfers are charged for the exclusive access to the 24-hour Concierge Service, SkyMiles account rewards program and extended credit line. If you think you can find something better online, take a minute to read further and ascertain that American Express has not been overtopped.
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Pre Approved Credit
October 07, 2008
If you hold a valid FICO score with at least one national credit reporting agency, you are very likely to receive a pre approved bank card offer in the mail. But among the 3% of recipients completing and returning the application, only some 1.5% if not less actually get approved. Why is that and what are you required of to qualify for that enticing card offer sent by a major bank?
Most people think if they've been pre approved, there will be no hassle going through the formality of the application process. Now they don't have to spend hours searching and comparing products online to find the only right variant. Hardly anyone knows how the bank chooses a potential customer and what eligibility requirements it will use to finally approve or reject your application.
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Credit Cards at College
September 26, 2008
Though a standard unsecured student credit card is available to high schoolers nowadays, it is at college that young people make their first financial decision independently from parents. The first responsibility comes with the need to choose the right plastic from a great spectrum of equally attractive offers.
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