"It costs them a couple hundred bucks to acquire building a new customer business and credit and it''s not so easy anymore," says author of What Every credit account building User Needs business to Know. And thanks to Alan Greenspan, issuers can afford to make rate cuts for their customers. The Federal Reserve cut interest rates 11 times in 2001, making it much cheaper for issuers to borrow the money they lend to customers. "They can afford to give consumers a break," credit "And they''ll do it to keep your building business." business And while it''s not quite a matter of ask and ye shall receive a lower credit account rate, it''s pretty darn credit close. All the consumers who participated in the PIRG survey were given the following sample building script. Hi, my name is [Your Name]. I am a good customer, but I have received business several offers in the mail from other account companies with lower APRs. I want a lower rate on my card, or I will cancel credit my card building and switch companies. And that''s it. Even folks business who dread confrontations ought to be able to handle that. You only need to be assertive for a matter of seconds.

The consumers in the PIRG survey who saw their rates reduced credit had been with their card companies an average of four years. They were also using only 27 percent building of their business credit lines. Newer customers with credit higher balances may have a tougher time getting building their interest rates knocked down. But it''s still worth a shot. "It''s well worth a business five-minute phone call," credit and building "Why would you want to pay even $10 more to your credit account company if you don''t have to?" Obtaining a report is quick and easy. Just click on one of the business and credit links above or below that interests you! Our most popular reports are the instant online approval report, the low rate report, the reward card report, and the low introductory rate report.

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