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Low Interest Credit Cards
Make sure you have the right type of card. Different credit cards are designed for different objectives. Some cards offer no annual fees, other cards give rewards, and some offer airline miles. There is also a class of credit card designed for low rates. Try running rate comparisons on www.bankrate.com or www.creditcards.com. Cards with lower rates might have trade-offs like higher annual fees or high cash advance rates and fees. Try a credit union Credit Unions are not-for-profit financial institutions and can offer their customers low interest rate credit cards. Try applying for a credit card through them. Read more about Credit Unions. Don't be shy, ask for a lower rate. Call your current credit card company and ask them for a lower rate. Explain that you've been a good customer for a long time and you will close your account if you don't get a better rate. Studies have shown that over 50% of people who ask for a better rate will get one. They don't want to lose you as a customer. Cancel your credit card? Yes, your heard right. If asking for a better rate doesn't work then tell them you are canceling your card. They will most likely transfer your call to a "Save the account" representative who has the authority to offer you a better rate to keep your business.
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