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Sample video on lowering your credit card interest rates.
5 Easy Steps to Lower Your Interest Rates
by Lisa Phillips
by Lisa Phillips
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(2) Research the competition
Do a little research to find out what other credit cards have lower interest rates, best benefits
such as rewards, travel and cashback features.You should also look for cards which offer 0%
balance transfers and no annual fee. Be sure to note what the interest rate will be after the
initial period.
It is not uncommon for various credit cards to have vastly different interest rates. Some banks
issue several different credit cards and there can be great interest rate and fee disparities
within those cards. You could be paying twice the interest as someone else for the same
credit card.
Rates constantly fluctuate so it’s imperative you check all of your monthly statements. You
could be paying twice the interest as someone else for the same credit card. Rates constantly
fluctuate so it’s imperative you check all of your monthly statements.
If you have balances on other credit cards, you can consolidate these to a low interest Bryant
State Bank MasterCard® credit card and potentially save hundreds in interest. For more low
interest rate credit cards visit good credit cards.
(3) Contact your credit card issuer
Contact your credit card issuer and request your interest rate be lowered. Be professional,
remain calm and polite; however, be firm in your request. If necessary request to speak with
a supervisor or manager if you are not getting the desired results.
You should always mention that you have been a good customer and that you would like
nothing else but to continue your relationship with them. Point out the fact you pay on time.
You may also want to mention you have other low interest card offers that you can transfer
your balance to. If they agree to lower your interest rate you don’t have to stop requesting.
Call again in a few months and request an even lower rate. Getting your credit card interest
rate lowered is not a one time deal. As long as you are a good customer you can periodically
request lower interest rates.
NEXT: Be Persistent CONTINUED 1 2 3
Do a little research to find out what other credit cards have lower interest rates, best benefits
such as rewards, travel and cashback features.You should also look for cards which offer 0%
balance transfers and no annual fee. Be sure to note what the interest rate will be after the
initial period.
It is not uncommon for various credit cards to have vastly different interest rates. Some banks
issue several different credit cards and there can be great interest rate and fee disparities
within those cards. You could be paying twice the interest as someone else for the same
credit card.
Rates constantly fluctuate so it’s imperative you check all of your monthly statements. You
could be paying twice the interest as someone else for the same credit card. Rates constantly
fluctuate so it’s imperative you check all of your monthly statements.
If you have balances on other credit cards, you can consolidate these to a low interest Bryant
State Bank MasterCard® credit card and potentially save hundreds in interest. For more low
interest rate credit cards visit good credit cards.
(3) Contact your credit card issuer
Contact your credit card issuer and request your interest rate be lowered. Be professional,
remain calm and polite; however, be firm in your request. If necessary request to speak with
a supervisor or manager if you are not getting the desired results.
You should always mention that you have been a good customer and that you would like
nothing else but to continue your relationship with them. Point out the fact you pay on time.
You may also want to mention you have other low interest card offers that you can transfer
your balance to. If they agree to lower your interest rate you don’t have to stop requesting.
Call again in a few months and request an even lower rate. Getting your credit card interest
rate lowered is not a one time deal. As long as you are a good customer you can periodically
request lower interest rates.
NEXT: Be Persistent CONTINUED 1 2 3
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