A place to explore credit cards for bad credit
A national survey discovered that customers who just called their credit card company and stated that they had gotten better offers from other companies and were planning to switch succeeded in getting lower rates 56 percent of the time. Customers lowered their annual interest rate by an average of five to six points, and some companies offered them perks like no interest for half a year. One customer more than halved her exorbitantly high interest rate, an important consideration if you have a credit card for bad credit. Customers suffered no penalties if their credit card issuer refused to lower their interest rates. As long as you are civil, requesting a lower interest rate is a risk free method of improving your interest rate with an excellent chance of succeeding.