Everyone’s going cashless nowadays. Many technologies ensure you don’t have to carry any cash to get the most out of your shopping experience.\n\n\n\n
Credit cards are also great as they allow you to withdraw money or buy something you don’t have but can fulfill later. Once you’ve made a purchase, you also have to ensure you can pay back the money in time.\n\n\n\n
If you don’t, it will cost you a lot more after interest. If you’re not happy with the credit card interest rate that you’re currently paying, you can always ask your issuer for a lower one. Most people aren’t aware they can do this, but it’s quite an easy process.\n\n\n\n
You have to talk to your credit card issuer for a lower interest rate. It seems simple right? Not always. You must take specific steps so that your credit card issuer takes you seriously.\n\n\n\n
Before you rush to call your issuer, you want to gain all the information you can gain about your current credit card. Is there a grace period to your payment that you’re unaware of?\n\n\n\n
Know the terms and conditions of the credit card so that the issuer feels like you’ve done your research before coming to them. Make sure you also know about the credit score and history that you have so that you can use it to negotiate better rates.\n\n\n\n
There is more than one kind of credit card, and there’s no reason to pay more when you can pay less. The idea is to find other credit card companies and their interest rates to compare them with the one you’re being offered.\n\n\n\n
Are you being offered more or less than what you should be getting?\n\n\n\n When talking to your credit card issuer, list the information and use it as a bargaining chip. Companies want to retain business, so they must remain competitive.\n\n\n\n Credit card companies need to see that you’re someone worth lowering their interest rate for. For you to convince them, you have to consider the deal from their perspective and then think about whether you’re meeting their criteria. If you can find ways to build your credit so that you have a better chance at a lower interest rate, then this is something that you should invest in.\n\n\n\n Once you have all this background information, you can negotiate a better deal. You have a better case for why you deserve to be one of the clients they offer a better deal.\n\n\n\n You’re also less likely to lose focus if they say something to dissuade you. Since it’s a call, you also want to ensure that your tone and words are incredibly polite. Make sure that you’re well-composed before you answer any questions.\n\n\n\n Lowering your credit card interest can have many benefits too. For one, it gives you much more flexibility regarding your money, and you’re likely to live a better quality of life. You can also quickly redeem the rewards that come with credit card points.\n","protected":false},"excerpt":{"rendered":" Everyone’s going cashless nowadays. Many technologies ensure you don’t have to carry any cash to get the most out of your shopping experience. Credit cards are also great as they allow you to withdraw money or buy something you don’t have but can fulfill later. Once you’ve made a purchase, you also have to ensure […]\n","protected":false},"author":1,"featured_media":97,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"off","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[2],"tags":[],"_links":{"self":[{"href":"https:\/\/dev.707lender.co\/wp-json\/wp\/v2\/posts\/96"}],"collection":[{"href":"https:\/\/dev.707lender.co\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/dev.707lender.co\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/dev.707lender.co\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/dev.707lender.co\/wp-json\/wp\/v2\/comments?post=96"}],"version-history":[{"count":0,"href":"https:\/\/dev.707lender.co\/wp-json\/wp\/v2\/posts\/96\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/dev.707lender.co\/wp-json\/wp\/v2\/media\/97"}],"wp:attachment":[{"href":"https:\/\/dev.707lender.co\/wp-json\/wp\/v2\/media?parent=96"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dev.707lender.co\/wp-json\/wp\/v2\/categories?post=96"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dev.707lender.co\/wp-json\/wp\/v2\/tags?post=96"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}Be Open To The Counter Perspective\n\n\n\n
Finally, Call And Apply For A Lower Rate\n\n\n\n