2007-06-14 09:18:27 · 11 answers · asked by joker2662 1 in Business & Finance ➔ Credit
Improve your credit, or get a new credit card. Personally, I say pay off the card every month so you don't have to worry about APR.
2007-06-14 09:21:40 · answer #1 · answered by Clutch Cargo 5 · 1⤊ 0⤋
Ask. Seriously. If the account is in good standing call the company and ask for a lower APR. Bonus points if you've been a longtime customer with little to no problems. If you have to, tell them you got another offer with a lower APR and would they be willing to match it to keep your business?
2007-06-14 16:47:49 · answer #2 · answered by zippythejessi 7 · 0⤊ 0⤋
the best way to lower your apr on your credit card is to pay it in full when you get the statement. you'll have a 0% apr
2007-06-14 19:45:29 · answer #3 · answered by hi91977 3 · 0⤊ 0⤋
Pay off your balance and then call your credit card company to cancel the card. The service reps are trained to stop you from canceling your account and they will negotiate with you to lower APR and other options.
Otherwise, you will have to hire non-profit org that will have to consolidate your debt and re-negotiate your APR or payments on your behalf.
2007-06-14 16:55:29 · answer #4 · answered by Arsenal 2 · 0⤊ 0⤋
85 percent of the time people get a lower apr just by calling and asking.
2007-06-14 16:21:13 · answer #5 · answered by JB 6 · 1⤊ 0⤋
Call the credit card company and request a lower limit.
2007-06-14 16:20:20 · answer #6 · answered by CupCake 5 · 1⤊ 0⤋
You could transfer the balance (or at least part of it) to another credit card that is offering a lower rate. Look at http://preferred.ecreditdirectory.com/categories/balance_transfer_credit_cards for a list of cards.
2007-06-14 23:01:15 · answer #7 · answered by SMD 2 · 0⤊ 0⤋
call them and ask for a lower rate or get a new card that will give you a lower rate. There are some out there that will give you a zero rate for any balances you transfer over from another card.
2007-06-14 16:22:28 · answer #8 · answered by Anonymous · 0⤊ 0⤋
It doesn't hurt to call the credit card company and ask them to lower it. They used to do it just because you asked, but I don't think they are quite as easy to deal with anymore, but try it anyway. Can't hurt!
2007-06-14 16:23:36 · answer #9 · answered by EvilWoman0913 7 · 0⤊ 0⤋
Switch cards to one with 0% for six months.
2007-06-14 16:21:36 · answer #10 · answered by Anonymous · 0⤊ 1⤋