Negotiating Rates with Your Credit Card Company

Ok, let's face it, everybody hates high credit card rates, and they drain hard earned money out of your wallet. As a valued consumer, it is apparent that you learn how to negotiate to get the absolute best rate that you possibly can. The good news however is that it doesn't have to be a difficult or time-consuming process. In fact, it can be very easy indeed if you know what you're doing. In this article we will discuss the ins and outs of credit card negotiating to ensure that you get the best possible rate with the least amount of effort.

  • First and foremost, you should figure out if you even want to continue using your current credit card company ( http://www.the-credit-card-centre.co.uk/best-credit-cards.html ). Are you pleased with the overall service that you are receiving? Do you like their benefits? If the answer is yes then you can proceed. If not, you should stop reading this article and start looking for a better company.

  • Second, you should evaluate your paying history and make sure that it is positive before you call to negotiate. If it is positive then you have power and if it isn't then you'll be negotiating from a position of weakness and that might not be good. Instead, you should wait until it is more positive before you call them to negotiate rates.

  • Third, if you have a good history then remember this when you call. In essence, you'll have extremely high negotiating power. The company needs your business in order to be successful and with clients they lose big time. Therefore, you should always display this "take them or leave them attitude" while conducting your negotiations.

  • Draft up a script and memorize it. It can be as simple as "Hello, my name is Bill and I have been a cardholder for X years and I consistently pay my bills on a time. Well recently I have been receiving all types of credit card offers from XYZ bank indicating that I qualify for an extremely low interest rate of X and am considering leaving you and going there if you can't offer me a lower rate. Is this something that you can help me with?

  • Practice, practice and practice some more with your script until you are completely and totally used to it. Once you are, contact the company. Read your script and see what happens.

  • If you get a hard nose customer service representative then don't threaten her. Be agreeable and ask to speak to his/her supervisor. If that is not possible, be nice to her and try again she may have some leeway. If you like your present company, you can even try negotiating interest rates, annual and even those yucky late fees.

  • However, if you're fed up, have an alternative company in the wings, and your current company won't budge with their rates then be willing to take your business elsewhere. After all, you hold the power so don't be afraid to use it! They key however is to not bluff but to follow through with your threat. Close the account, ask for them to send you notification in the mail, cancel the credit card and use another card.

    In conclusion, you can be successful with the negotiating process if you follow the above mentioned tips. If your current company is unwilling to cooperate then you should simply take your business elsewhere. You're better off with another credit card company that values your savvy negotiating skills!

    About The Author

    Claire Bowes is a successful freelance writer and owner of The Credit Card Centre ( http://www.the-credit-card-centre.co.uk ) where you will find further advice and tips on the best credit card deals ( http://www.the-credit-card-centre.co.uk/best-credit-cards.html )and 0% credit cards ( http://www.the-credit-card-centre.co.uk/0%-credit-cards.html ).

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    table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.latimes.com/business/careers/work/la-fi-creditunions12-2008oct12,0,65741.storycid=1256773082ei=RnvySKWZIqGO6AOFv8S5Bwusg=AFQjCNGRaGqsp109GqVPxcQIVcnMcCXFEQFinancial troubles spread to bcredit/b unions/abrfont size=-1font color=#6f6f6fLos Angeles Times,nbsp;CAnbsp;-/font nobr15 hours ago/nobr/fontbrfont size=-1By E. Scott Reckard, Los Angeles Times Staff Writer It#39;s not just giant banks on the brink these days: Losses are clobbering nonprofit bcredit/b unions that b.../b/font/div/font/td/tr/table
    table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.ajc.com/business/content/business/stories/2008/10/12/credit_crunch_atlanta.htmlcid=1256965521ei=RnvySKWZIqGO6AOFv8S5Bwusg=AFQjCNH5aYtNiAgYm8Dm2MRq2c2Ws9V3UAHow metro Atlantans are coping with loan, bcredit/b woes/abrfont size=-1font color=#6f6f6fAtlanta Journal Constitution,nbsp; USAnbsp;-/font nobr2 hours ago/nobr/fontbrfont size=-1By RUSSELL GRANTHAM good jobs and the right bcredit/b score. That’s not enough, though. They are currently on their fifth mortgage broker, searching for b.../b/font/div/font/td/tr/table
    table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.nytimes.com/2008/10/11/business/yourmoney/11money.html%3Femcid=1256774157ei=RnvySKWZIqGO6AOFv8S5Bwusg=AFQjCNF5uvFWDgjYW_c1ELeBW_5m0Pz1Egimg src=http://news.google.com/news?imgefp=rhwaZ71oGCsJimgurl=graphics8.nytimes.com/images/2008/10/11/business/11money.190.jpg width=80 height=66 alt= border=1brfont size=-2New York Times/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.newsday.com/sports/olympics/sns-yourmoney-1012credit,0,107333.storycid=1256774157ei=RnvySKWZIqGO6AOFv8S5Bwusg=AFQjCNFAtxj8Br84mZH4gD1meUnIOaa8RgbCredit/b cards, bcredit/b crunch: consumers feel pinch as issuers `go b.../b/abrfont size=-1font color=#6f6f6fNewsday,nbsp;NYnbsp;-/font nobr15 hours ago/nobr/fontbrfont size=-1The bcredit/b crunch and weak economy also are taking a toll on bcredit/b cards. Perhaps you have noticed that you#39;re receiving fewer offers for bcredit/b cards in b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.nytimes.com/2008/10/11/business/yourmoney/11money.html%3Femcid=1256774157ei=RnvySKWZIqGO6AOFv8S5Bwusg=AFQjCNF5uvFWDgjYW_c1ELeBW_5m0Pz1EgYour Money One Thing You Can Control: Your bCredit/b Score/a font size=-1 color=#6f6f6fnobrNew York Times/nobr/font/fontbrfont class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1256774157hl=ennobrall 16 news articles/nobr/a/font/div/font/td/tr/table
    credit - Google News

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