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Credit Card eZine - News and Articles about Credit Cards

Credit Card eZine - News and Articles about Credit Cards

Get even more information on credit cards? Read our Credit Card eZine. The section is regularly updated by our specialists. Learn all the financial tricks. Know the pitfalls and hidden bonuses. Find out how to transfer balances and accumulate points. We will tell you about the latest offers on the market.Get your credit card education and make the most out of your plastic.

Credit Card Deals with Lower Rates - Success Guaranteed!

2007-10-09

Low interest rates and fee-free credit card deals are in good demand these days. We are really indulged with the best credit card offers. And no words will describe our frustration with higher interest rates, especially when you are a loyal client of this or that credit card company. Some customers take it as a matter of course, for they think they are helpless to do anything about it. Meanwhile, the other persistent consumers are ready to negotiate better interest rates. And by the way, they succeed in lowering their interest rates. There's no secret in this procedure. Everyone can try this.

There's a cut-throat competition among credit card companies and to have long-term customers is their dearest dream. Loyal cardholders with bulging purses are the best ones. And if you consider yourself as a good customer, you have all the chances to achieve your aim, i.e. to have lower interest rates.

Interesting are the stories about slicing pretty high interest rates up to zero percent. That is a real bargain, isn't it? To negotiate a better credit card deal is not so problematic as you may think. You lose nothing for asking.

You may say:"Why on earth will they cut my interest rates? How is it possible?" Actually, it's not as hard as you expect. Communication is a key factor when you want to solve your credit problems. When you struggle with due dates or you are not satisfied with high interest rates, stick to your guns. Believe me, it works perfectly well!

First of all, phone your credit company and make sure they are aware of your loyalty. You may prove this with your regular payments and a good credit history. Most obviously they offer you acceptable interest rates.

Another factor that influences their decision is your intention to cancel your credit card. You may complain that the other companies have more favorable terms for you. Don't be too lazy and compare these high rates with the rates of the other companies. The representatives of your credit company will do their best to keep you as a customer, otherwise they will lose much money.

Some credit companies may offer you even more than you have asked for. For example, low interest rates coupled with zero percent balance transfer rates. However, some clients happen to get low interest rates by a strange quirk of fate.

The following story can encourage those who feel uncertain to negotiate better terms with credit issuers. George Ferrish, a long-term cardholder, decided to pay off the entire balance on one of his cards. "I made my mind to pay my balance off in one payment. As it was a pretty sum, they decided I was going to cancel the card and give me a low interest rate," says George.

Your request to cancel a credit card is a nightmare for credit issuers. If you are a valuable customer, they try to talk you out of it. And one of the possible ways to do that is lowering interest rates. The survey of American cardholders on this problem had striking results. More than half manage to score off better interest rates.

So, if you think that you are a cardholder with a good track record, all you need to do is to get in contact with your credit company and ask. Make it a rule to negotiate all credit problems with your credit company. This way, you are sure to have no problems!

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[Sunday, December 18, 2011]
Chase Bank recently announced the redesign of its Visa credit cards - allowing more space on the front for the Chase logo. This new design is in trial mode currently but Visa has pans to roll out its new design to other financial institutions in order to increase the branding and logo visibility of the individual issuing banks.
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[Friday, October 28, 2011]
Debit and credit: they`re both plastic, why not consolidate them? The Cinncinati-based Fifth Third Bank, is the first to offer the DuoMasterCard which consolidates both a checking and a credit card account into one card.
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[Wednesday, September 21, 2011]
It really pays when you do the right thing. Take credit cards for instance, having a clean credit profile really does help. Those who managed to maintain a squeaky clean credit report during the recession can now jump with joy, as they will get some of the best deals from credit card issuers.
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