|Public Service Debt Solutions Since 2003|
Lower Your Credit Card Interest Rates
Credit card companies will try to charge you whatever interest rate they think the market will bear. It’s up to you to get a lower rate and by negotiating directly with the credit card company. Don't forget, these companies need your business and fiercely compete with each other to get your business. One way they can be more competitive is to lower their rates.
Your ability to get a lower rate is dependent on a number of factors:
With this said, you need to get on the phone with your credit card company
This is sample script:
Once you are given a lower rate try this:
That’s right, often they have a range of rates and you should press for the LOWEST rate. Don’t be surprised if you get a lower offer. We hope this works for you. However, we would like to now broaden the discussion. Is the rate reduction really going to solve your debt problems? Here is a list of possible Alternatives:
Never a Fee or Charge for Consultations
How do you decide which is best for you?The
National Debt Referral Center can help you decide by discussing all your
options and providing you with the appropriate referrals.