Additionally, a lot of people would ask for a 10-point reduction,"A lot of people aren''t going to get that, but I think it''s important to shoot high." Persistence really pays Strong, who teaches a class for people with credit problems, encourages all of his students to call their credit account issuers and ask for lower rates. Many do just that. How many are successful? "I would say three out of four easy," He encourages folks who are denied rate reductions to try again another day. You may reach a more cooperative customer service rep. You may be sent to an agent who specializes in keeping customers who are threatening to leave. Be persistent and make it clear that you''ll close your account if your interest rate is not lowered. persistence pays in these matters," "If the rep won''t do it for you, ask for a supervisor."

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