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 creditcardinterestrate not lowered. persistence pays in these matters," "If the rep won''t do it for you, ask for a supervisor."

You''ve just received a major credit with your name on it and a $1,000 spending limit. If mom dropped you off at the mall, or left you home alone to shop creditcardinterestrate online, would you have the knowledge and maturity to use it wisely? Probably, but ...Think of it like learning to drive. You had to drive with an adult for a minimum of six months before you could apply for a full license to go cruising on your own. Using a credit account wisely takes some practice too and, a dose of adult supervision. The world of plastic money can be tricky and unforgiving. Mistakes creditcardinterestrate hit you in the wallet. But, the teen market is a profitable one. Did you know that creditcardinterestrate your creditcardinterestrate generation spent $172 billion last year? It''s no wonder the credit industry is bombarding your mailboxes with account offers.

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