How do i get a lower percentage rate on visa card?

Answer 1

Pay your debt in full every month.

Answer 2

as simple as this sounds, you just ASK FOR IT. Call the customer service number and explain you WANT (never say need) a lower interest rate because you have seen a competing card you may be interested in that has a lower rate. If they ask what card, just say there were several and you do not feel like disclosing what the competition is doing--hint that if they do not give it to you, you could close your account and get the other card--you do not have to threaten, just hint. Banks hate losing customers that carry balances, especially good payers that do NOT pay the balance in full every month because that's where they make their BIG MONEY--finance charges. Odds are, they will discuss it with a manager and GIVE YOU a better rate--worked for me with two different banks.

Answer 3

You can request a lower rate. I've had this work several times, but I've also had some biotch tell me there was "no lower rate available," which, when I asked how that was possible--if the rates don't come from them, where do they come from?--she revised to the more honest answer "You don't qualify."

Answer 4

tell them you want a lower rate or u will cut up the card and never give them business till the lower your rate

Answer 5

Use your parents visa. Got a girl friend? Use hers.
zero interest, for as long as she puts up with you.
talk her into buying the stuff. (every one needs stuff)
Now for some valuable information about work.
When you have used up all your sick leave, call in dead.
Burn your credit cards.

Answer 6

Pay your full balance, ontime, everytime. Then you won't be paying any interest. Best percentage rate there is - 0%!!!