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 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. mastercards and online This worksheet shows you how to applications transfer a balance to a lower rate card without a hitch. Looking for a better mastercards credit account? Check rates in your area. You have to be prepared to move your 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 online rate. But long-time customers may have a better chance than newer customers.

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

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