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

Keep your request simple. cards I personally like the line, corporate ''What can you do to help me out?''"Another classic negotiating line is ''Can you cards do any better?'' If your card company won''t budge, it''s time to start looking for a better deal. This can help you search for card deals from issuers from around the country. This worksheet shows you how to transfer a balance to a lower rate card without a hitch. Looking for a better credit account? corporate Check rates in your area. You have to be cards prepared to move your corporate account if they don''t do anything for you," "Some of these places are really hard line." Not everyone who asks is going to get a lower interest rate. But long-time customers may have a better chance cards than newer customers.

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