How do i lower my credit card intrest rates on current cards?

Answer 1

just call them...I did...it never hurts to ask...everyone went down...all you gotta do be nice...to them...they just people too!

Answer 2

First check with each card and find out the current rate for balance transfers. Pick the card with the best balance transfer rate and get the offer in writing, or at least printed off their web site. Contact each of the other cards and explain that you are considering transferring your balance to that card. Ask if they will match or beat the rate. If they beat the rate, use the new rate when contacting other cards. In short, start a bidding war between your card issuers.

Of course if your payment history is not good, they may just let you transfer to the competition.

Answer 3

I work for a credit card company. Most are willing to reduce your apr if you have good payment history and are not considered high risk due to your credit report. Also most require at least 6 months of on time payments and the account cannot be over the credit line. Usually credit card companies will not reduce an apr on a closed account.

Answer 4

I once called the largest bank in America. They reduced my credit card interest rate from 18% to 11%. Just call them and they are happy to do it for you as long as you don't have any problem with your payments.

Answer 5

you won't be able too, you can switch to another lower interest card.
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