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How to Negotiate Better Rates on Loans and Credit Cards
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[QUOTE="Holicent, post: 323927, member: 76163"] Although credit cards and loans can be useful financial tools, their interest rates can quickly add up over time. Fortunately, you can save money and negotiate better rates by employing certain tactics. The following are some suggestions for negotiating better rates on credit cards and loans: Understand Your Credit Score: The interest rate you will receive on loans and credit cards is heavily influenced by your credit score. Check your credit score before negotiating, and if necessary, work to raise it. Look elsewhere: Don't be afraid to compare rates elsewhere. Be prepared to negotiate and compare rates from various lenders or credit card companies. Establish a connection: Having a strong relationship with your credit card or lender can increase your negotiating leverage. Always pay your bills on time and think about using the same bank or credit card company for multiple accounts. Get ready: Learn about your current interest rate and what other lenders or credit card companies are offering before negotiating. You'll be able to make your case for a lower rate stronger thanks to this. Be firm but polite: Be assertive but polite during negotiations. If the lender or credit card company won't budge, be prepared to walk away and explain why you think you deserve a lower rate. Take a Look at a Balance Transfer: Consider moving your balance to a card with a lower interest rate if you have credit card debt with high interest rates. Several credit card companies provide low-rate balance transfer offers or introductory rates. Get a Loan Refinance: You may be able to obtain a loan with a lower interest rate and save money over the course of the loan by refinancing it. If you can get a better rate, you should think about refinancing your mortgage, car loan, or student loan. A great way to save money and improve your financial situation is to negotiate better rates on credit cards and loans. You can negotiate for a lower interest rate and keep more of your hard-earned money by looking around, developing a relationship with your lender or credit card company, and being prepared and polite. [/QUOTE]
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How to Negotiate Better Rates on Loans and Credit Cards
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