Methods To Arrange The Best Credit Card Deals
That credit card you always use for shopping or paying something
you thought you may need can bring you a lot of advantages if
you know how to ask for it and what to chose. There are some
steps to make you reach a better credit card deal:
1.Compare the rate of your credit card to that of other cards
and see if yours is the most convenient. If not, announce your
company that you are intending to cancel your credit card and
apply for another with a substantially lower rate. This is a
first step to turn your credit card deal into a fortunate one.
2. If you are one of the company's loyal customers, ask for a
discount for the annual charge of your rate.The annual fee is
another amount of money to go along with the monthly rate you
are paying.Call your company and ask them to diminish or even
eliminate this charge. Announce them that you are planning to
close your bank account if they do not eliminate this tax. This
should not be done in the case of cards in collaboration with
airlines or hotels.
3.If you want to compare the rates of more cards you should look
for a website which provides you this sort of information. There
are some offers regarding a period of time in which your card
will be not charged. You should ask when you will have to pay
the first rate and how the annual fee is calculated if there is
such thing.
4. When you decide to apply for another card so that you reach
the best credit card deal, tell them about your history as a
customer for it. It should help a lot if they see you have
always been responsible with it.
5.Always get arrange a balance transfer from your old card to
your new one. Get informed about these transfers and the rates
they involve because they can be higher than you expect.
6. Take into account the fact that some cards offer a lot of
advantage(airline miles) but charge annual fees which can cost
more than a regular interest rate. If you use them a lot they
can be very advantageous but if not calculate and see if you
gain the best card credit deal. Additional tips for a great
credit card deal:
If you have been using a company's credit card a lot, ask them
to reduce your interest rate.Any company makes the profit from
customers who don't pay their balances so you can gain a great
negotiating position if you have a card history and on-time
payment.