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Janessa | My credit card interest rate is high! Can someone give me some advice? |
I have 2 credit cards. A Mastercard through Capital One and a Visa through Washington Mutual. My interest rate on the Mastercard is 23% and my Visa is 25%. My credit score is 600. Is there anyway that they would lower my interest rate or would it be a waste of time to ask? Or maybe is there a better credit card I could get like Chase? Thanks in advance to any help!
Additional Details
We are going to Texas next month to visit my husbands family and we were going to put gas on a credit card, but not on either one of those with that crazy interest rate! |
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April
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I recently had this same issue I called and told them I wanted to cancel my credit cards because the interest rates where so high, if they couldn't help me. They said they would cut my interest rate almost in 1/2 since I always paid on time. I would see if that works for you. |
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CrackBerry Addict
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If you have been making on-time payments for a good period of time (maybe 6-12 months) I would encourage you to call them and ask them to reduce your interest rate. If not, you might want to start looking around for different cards, and the transfer to a lower-interest card once your score rises. |
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Melissa D
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First of all, if you want to build credit, one of the worstthings you can do is close credit card accounts. I know this sounds backwards.
Credit scores are heavly weighted on your balacnes being less then 50% of the available (remember the old - to get a loan, you must first prove you don't need it)
When you close a credit card, it lowers your total available credit.
Also, your credit score is based on the average age of all your accounts (the older the better). When you close a card, it stops againg and therefore stops working to build your scores.
One thing that is holding you back is that your limits on these cards is small. For the moment, since you owe so little on them, pay them off (pay as much as you can on one, and minimum on the lower rate card if needed).
Then, use the paid off card and charge your trip. When you return, make sure you have the money to pay it off fully. This way, you won't have the interest charges.
almost all credit card companies will not charge you interest if you pay the balance in full each month (some will bill you in month two for interest in month one so this sometimes takes a few months to be realized).
Most important: If you can't afford the trip, and you decide to go on credit, make sure you include the cost of the credit as part of the cost of the trip. If the gas is going to cost $300 for the trip, and cost $500 by the time you pay it off, think of the trip as being $500. That way, you can make an educated decission on if the trip is really worth the expense. |
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nancy g
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I have asked the credit card companys i deal with to lower my % rate and if they do I keep the card if they don't I close it out and pay it off. you have to have been making payments on time though. they do work with you. try it all they can say is no. t |
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galom g
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A credit card with high interest rate is bleeding you white, and you find that there are other credit card offers with significantly lower interest rates. You simply want your credit card company to lower the interest rates, but how to approach them? Here is a 3 step proactive approach that will solve this problem.
Step 1: Get a clear picture of the interest rates you are currently paying
If you have only one credit card, it won't be difficult. But, having a pocket full of credit card will take a little effort on your part to tabulate corresponding interest rates. Mark the credit cards which cost you a lot in terms of APR and other fees. Also, note which one of your low interest rate credit cards allow balance transfers. Note down the contact information of every credit card you hold and move to the next step in the process.
Step 2: Contact the credit card agency to lower the interest rates
As the second step, call the high interest rate credit card provider and tell them, how good your relations are with the credit card company, you have been their customer for so long, have been prompt on repayments and the credit rating is also good ( don't make false claims, only tell what is correct, since the credit card companies will have all the details and can verify anytime.) so, they should lower the interest rate on their credit card. As, a small leverage you can tell them that a credit card with the same rewards and offers are providing a low interest rates and it would be better if the currently high interest charging credit card matches the rate. Ok, now you have done your part and its the turn of credit card company to move things now. If you have a good reputation with them, they will certainly like to keep you as their client. If, they offer a new low rate, make sure that it is permanent not temporary and get the offer of lower interest rate documented. If for some reason, the credit card company doesn't heed to your request, there is nothing to worry. Move on to step three. Read more from:http://www.credit-card-gallery.com/article/260,3_step_proactive_approach_to_lower_the_high_interest_rates_on_your_credit_card |
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Russ
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I'd suggest first trying to call your credit card company and ask them if they can lower it, and if they don't, tell them you'll take your business elsewhere. The competition is pretty fierce, and they'll most likely work with you and lower your rate than face losing a customer. It worked for my wife. If they won't, you're probably better of going to another company anyway. |
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Ted
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You have zero balance, so the rate doesn't matter, as long as you keep paying them off. |
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La Vie Boheme
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Call them and ask what they can do. Tell them you want to stay a customer but with those rates, it's impossible. They will say yes or no. If you have always paid on time, they are more likely to negotiate your rate. |
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Jaclyn&Dave
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Why do you even need the CC's?
Dump them and the scum companies pimping them, and you will do much better in the long run.
http://www.daveramsey.com/the_truth_about/credit_card_debt_3478.html.cfm |
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