Ways to Reduce Credit Card Interest Rates

Money/Finances - Debt/Debt Relief

By: guitarguy     22-Sep-2010

Introduction:

Credit card interest rates are killing people in this harsh economy. Still there are many things which have proved useful in reducing credit card interest rates to lesson this burden.

Threaten Change

Often long term customers with a good rapport are able to threaten to change credit card companies. The Credit Card company will often respond by offering to reduce credit card interest rates in order to keep a valued customer if they think they might change.

Do Change

Many credit card companies are happy to offer reduced credit card interest rates to the valued members of OTHER credit card companies as a way to get them to change over. Many times you can get 0% for up to a year or more. When the credit card interest rates go up, you can employ another tactic to reduce them.

Locked Rates

If you credit is in good standing, you can reduce credit card interest rates in the long haul by switching to a locked-rate card. This way you will hold the locked rate even when rates begin to go up.

Hardship

Many times you can claim hardship with your credit card company and they will offer you a reduced credit card interest rate or at least defer your payments for a length of time.

Government

There are government debt relief programs. Where they don't offer a reduced credit card interest rate, they do often have programs for getting out of debt.




Final Thoughts

There are many other ways to reduce credit card interest rates. Be careful, however, not to get sucked in to any debt reduction scams that will end up costing you more money in the long run.


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