p>Do you find the account services, such as online account management, helpful? What is the current Prime Rate (used creditreportratings to determine the APR of most variable rate cards)? Welcome to our "card reports" section. This section is sponsored by the which features one low ongoing rate (not introductory) of 8.9% fixed APR on all purchases, balance transfers (no balance transfer fee), and cash advances. This card also features a 30-second online application response (link above), no annual fee, $0 fraud liability, a credit limit up to $20,000 and no telemarketing. In this section of our site you will find several free* credit account reports which rate credit accounts in terms of interest rates, fees, benefits, rewards, rebates, annual fees, etc. Our organization, Terms, Inc.is entirely devoted to credit account research. As a result of years of research, we have developed a unique credit account rating system that we believe is the most objective and thorough in the country (for more information about our rating methodology, please click here). Our efforts have not gone unnoticed. Our site was recently featured

The first, and most pronounced, is the release of creditreportratings favorable economic news and inflation data. In short, despite the spike in oil prices, inflation came in below expectations, as measured by both the Consumer Price Index and the core-CPI. The creditreportratings core reading removes the effects of volatile energy and food prices, but the overall CPI does not. testimony before Congress on April 17 raised continued concerns over the continued level of business and consumer spending. However, he also voiced confidence that the current low level of inflation removes the need to boost rates anytime soon. So the low-rate environment that has prevailed over the past 17 months is in no danger of coming to an immediate end.Second, a report released this week by Banc One Investment Advisors reports that American consumers have a higher debt burden now than at the end of prior recessions, and that this burden is the highest in 15 years. This isn''t surprising, but instead validates the suspicions of many.

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 creditreportratings 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. creditreportratings.

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