Lower Apr Credit Card

While the issuer isn t guaranteed to say yes you re most likely to find success if you have a history of on time payments and your credit score is strong or has recently increased. Sometimes all you have to do is call to get that lower apr and get that debt paid off faster. Evaluate your current situation.

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Indeed an increase of just a few percentage points can make a huge difference in how much money you ll pay over the course of a year.

Lower apr credit card. If you carry any credit card debt you want the apr or annual percentage rate to be as low as possible. Low apr credit cards are designed for everyday use and could save you money. And the rate reduction was sizable approximately 6 percent lower. Usually lenders consider your fico score when deciding the terms of credit products including your.

How to negotiate a lower credit card interest rate 1. Know your current credit card terms including the grace period statement due date and your current balance. A low credit card apr is a valuable commodity if you ever carry a balance as the higher your interest rate the more you ll be charged in interest fees. Before you call the customer service number on the back of your credit card understand what you re working with.

Low apr credit cards. How to lower credit card apr. Public interest research group published a study that shows that over half of those who requested a lower apr received a reduction. But credit card companies often don t lower your apr unless you ask.

Compare low interest credit cards from 1 companies below and see if you can avoid hefty card charges. You credit score might be the biggest obstacle to getting a lower apr on a credit card. You can negotiate a lower interest rate on your credit card by calling your credit card issuer particularly the issuer of the account you ve had the longest and requesting a reduction.