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How to Get a Better Interest RateWouldnt it be great to be able to save a on your credit card interest rate?
After all, if that sweater is on sale for 10% off, but your credit card carries a 15% APR,
you're not really saving anything are you? Well, if you have a good credit rating then you may be able to get a better
interest rate. By making a simple phone call to your credit card issuer, you could save hundreds of dollars in interest charges. Credit card companies want customers who make their payments on time every month however, they do not pay off the entire balance, as this
wouldn't permit the company to make a profit. By maintaining a good payment history, chances are you will be receiving advertisements in the mail from other credit card companies offering very competitive rates. This can also work in your favor, if your credit card company wants to keep you as a customer. If not, then there is nothing stopping you from obtaining the lower rate credit card. Many times credit card companies will match the offers
you've received providing that you have been a good customer and have been making your payments on time. However, be prepared to walk away if they refuse to negotiate, and
don't be afraid to either. In today's market, credit card companies are in fact competing for you. Therefore, if you
don't have the rate you want shop around but make sure that you read the fine print.
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