 How can I repair my credit history on my own? |
| any suggestions, advice or ideas would be appreciated.... |
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 Credit report question? help please!? |
| ok so a little under 2 months ago I paid off 2 charge offs with 1 bank. But only 1 credit bureau (Experian) has it as paid. Transunion says derogatory, and Equifiax says charge off. Aren't ... |
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 Does anyone know where I can get a credit card with poor credit? |
| I just got out of bankruptcy and my credit needs rebuilt, but I cant seem to find anyone to give me an unsecured credit card.... |
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 My first credit card.? |
| I'm 18 and still in highschool but I've had a job for the past year. I applied for a credit card a couple days ago and got approved for a $500 line; my whole plan is to buy one thing a ... |
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 I am 19, and honestly am in credit card debt, my questions are below.? |
| Ok, I stupidly applied for two credit cards, which I should not have done. One is a Trump Visa, and the other is just a regular Visa both through Chase Card Services. Both of the cards are either ... |
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 Why is my check on hold? |
| i am currently banking with wells fargo and i deposited a check from allstate insurance company for $6500.00 and they put a hold on it and gave me $100.00 of it... now i know that the check has ... |
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 How long does it take to get negative items off your credit history? |
Do they just disappear after a certain number of years? I've heard that and never knew. I actually don't have any on my credit, thank God, but I'm just curious.
Thanks. =)... |
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 I have run into financial trouble this year, and collection agencies are threatening me.? |
| Do collection agencies normally file judgements and if so, are they mostly on larger balances, or do they just normally carry them as collection items? I have one or two credit cards that the ... |
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 How long after I pay off my debts will it take to improve my credit score? |
| I have about 12000 in debt that I will be paying off once I sell my house. I am probably about 5 months behind on payments. How long after they get their money will it take for my credit score to ... |
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 I overdrew on my checking account any suggestens? |
| I had overdraft protection but my bank took it away from me because of deluncancy, i thought I had it re-instated but tehy inturpreted me calling them for a new card as if I just wanted a debt card. I... |
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 I pick up a credit card? |
| I pick up a a Lowers credit card yestday (July,19 2006) and I do not who belongs to. sould i keep or give it back?... |
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 Are there any free paid survey sites for 13 yrs. old and up?? |
| are there any free paid survey sites for 13 yrs. old and up that don't use points but cash instead??and that are not scam??..and for free??... |
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 Should I file Bankruptcy or Not? |
| I have a total of $10,000-$13,000 unpaid, charged off, bad debt in total. This amount is for Bally's fitness, Phone bills, small credit cards, small medical bills, unpaid rent, department store ... |
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 Will it affect my credit score despite of paying over credit bill the next day? |
| I have seen my credit card bill today which went 3 pounds over my credit limit and i have paid some money instantly within 2 hrs of statement period , so will it be affecting my credit score?... |
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 How do i get my credit card company to cancel my debt? |
| i owe $16000 on my 4 credit cards all with chase and cant even make my minimum payment on any card. i lost my job and my wife is 2 months pregnant and i need help. i called a credit ... |
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Jennifer | How do i get my credit card company to lower my APR? |
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 |
 
daff73
 |
I've done this a few times, actually. I simply call up the bank that the credit card it through and ask to speak to a supervisor. Once I get a supervisor on the phone, I begin to say how long I've been a customer - point out the fact that my card is always paid off and that I started out with a low interest rate. Then I begin to say how they've "upped it on me before" and that I had to get it reduced then. All the sudden it's climbed back up again. I am not happy and obviously not a valued customer and hope to give them a chance to redeem themselves. Usually a day later I'll get a call back saying they have reviewed my information and have lowered it back down again (up to 4%!). It doesn't hurt to ask. If you get somebody who is not helpful, speak to a supervisor. If that doesn't work, call back in again and get someone else. Good luck! |
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Thatoneguy
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Call your credit card and as them to lower your apr.
If they can't, you can get another card from somewhere else that is cheaper and move the ballance over to the new card. Basicly you will be paying one credit card bill with a credit card, but it will save you a little money. Make sure to cancel the unused credit card, though, or you will end up with two full credit cards before you know it! |
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luciousgreeneyedlady
 |
All you have to do is call them and ask them. |
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ghosthawk
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call them. it normally works they dont want you to find others that will lower your apr. but dont expect a dig change, but ever bit helps. |
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STEVEN F
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Have you received any offers from other card companies recently? With the best competing offer you can find in hand (literally in your hand), call the customer service number on the card. Read them the offer and state you are considering transferring your balance. Ask if they can match of beat the offer. If they can't/won't, take the competing offer. |
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beauty s
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call them and ask |
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Jeremy P
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The best thing you can do-- is call and ask. Talk to a representative and ask them to lower your APR. Give them a reason (ie: you've had an account for XX years, you're credit situation has improved, your income has increased, etc). If that doesn't work, talk to a manager and explain your situation. If all else fails, mention that you've received another offer-- or that you'll be looking for a new one if they can't help you.
If you still have no luck-- you might want to consider actually looking at other credit cards. It can't hurt to see what else is out there. You might even be able to find a 0% APR offer and transfer your existing credit card debt (from your old card) and pay no interest for 12 months or more. Look here to find a complete list of balance transfer deals:
http://www.asapcreditcard.com/0-apr.html
Hope this helps. GOOD LUCK! |
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KitKat
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it takes the credit reporting agencies 30-90 days to update their records. The best way to increase your credit score is pull a copy of your credit report it doesn't affect the score when you're the one pulling the report and close any accounts you no longer use, the credit reporting agencies look at this as available debt. Also on the credit cards you do keep make sure the balance you carry is never more then 50% of whatever the credit limit is. By doing this you'll stand a better chance of getting your APR lowered. Have you asked for a Rate Specialist & found out what they had to say? |
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Tim
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If your history with them is good, and you are good on all your other accounts on your creditm report, simply send them a letter, saying I've been a good customer, my record proves it, I want a lower rate, or I'll walk (to another c/c company). |
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