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Lower Your APRYou have a credit card with a large credit limit or has some great member benefits and you don't really want to give it up. There could be other reasons that you like this particular credit card but you beleive that you are paying too much in interest repayments.How do you get the company to lower your APR rate? Well there is one way that seems to provide the best results. If you have a good credit rating you will constantly get credit card offers through your letterbox regularly. Check these deals out, check online at Credit Card Store's compare credit cards section. Then give your credit card company a call and tell them that you have received a better offer from xxxx company and as you have been a customer for xxx years you really beleive that your rate is too high. The operator that you talk to will try to pacify you with some chat but you should be asking to speak to someone superior, tell them that you will take the business elsewhere unless you can lower the apr. When you finally do talk to the supervisor tell him that you want your interest rate to be xxxx (try around 6.9%) and tell hime the offer that you hve received. He will probably tell you that this deal will run out in 6 months, tell him you will worry about that when the time comes. Your chances of this coming to fruition are around the 50% mark and you probably will not get the rate that you have asked for. You may only get the lower rate for 6 months or a year but it will be money saved by you! Then in 6 months time do the same again! Remember that it costs credit cards companies a lot of money to get new customers, on average it will cost the credit card company between £40 to £75 per new customer they sign up. That would be the cost if they were to replace you with someone else as their customer! Credit Cards : Balance Transfer Credit Cards UK - For the best deals in UK credit cards, apply online today
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