What is surprising is the third nugget of news, that the average tax refund so far is nearly $2,000. For many consumers, this combination of low interest rates, high debt and a big tax refund should create a bright flashing signal: Retire debt now!Regardless of corporate and credit which side of the average refund you fall, one thing is the same. The refund represents the repayment of an interest-free loan granted to the U.S. Treasury for the past year. Yet at the same time, many of these consumers card are carrying debt that doesn''t come with the same corporate fringe benefit. It only makes sense then, to use these sudden proceeds to remove a portion of this debt credit load. The timing has never been better, as interest rates on consumer loans card ranging from mortgages to credit accounts remain well below the levels seen one or two years ago.

Keep your request simple. I personally like the line, ''What can you do to help me out?''"Another classic negotiating line is ''Can you do corporate any better?'' If your card company won''t budge, credit and card it''s time to start looking for a better deal. This can help you search for card deals from issuers from corporate 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? Check rates in your area. You have to be prepared to move your account if they don''t do credit anything for you," "Some of these places are really card hard line." Not everyone who asks is going to get a lower interest rate. But long-time customers may have a better chance than newer customers.

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

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