Call your credit card company and ask for a lower rate. Threaten to close the account and switch to another company... name one. (Although it is better for your credit report to keep the account open and just not use it.) Credit card companies *can* go as low as about 7%, so don't take no for an answer!!!Free advice on how to switch credit cards for lower interest?
Before switching, you should try calling your current card company and ask them to lower your interest rate. If they do not want to lower your rate, let them know that you will be closing your account (just to threaten them). There is a ton of information on the Internet but I am not sure it is free. I have purchased a couple of books that offer some advice. One is Zero Debt by Lynette Khalfani. Money magazine had an article in their May issue that told you what to say verbatim to get companies to lower your interest rates.Free advice on how to switch credit cards for lower interest?
if you are asking for free advice, isn't that the whole point of the yahoo answers? anyway, the best thing to do is actually CALL your current credit card and ask them to lower the rate. believe it or not, if you are not maxed out and have ok credit, they might. if you have a varible rate, then you will have no control over the rate regardless what you do. if you are trying to switch to a lower rate card, then you have to make sure that you clear the you want a FIXED rate. if you get an inital lower rate, make sure to know when it ends. it is tricky. good luck. just try to pay them off asap!
http://www.ehow.com/how_2404_lower-inter鈥?/a>
Call up the credit card company and ASK them for a better deal. Ask for a manager.
Wait for that JUNK MAIL in your mailbox, and read the terms - if you can get a better rate for NO TRANSFER FEE, do it.
Transfer it to another card with better terms.
DON'T BE SUCKED IN - many of the balance transfers have 3% fees - so instead of 9% in a year, they get a third of that instantly, PLUS whatever they charge.
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