First of all, we suggest that you peruse our debt reduction tips page and our January 2000 article that deals with the subject of card debt. After reviewing both of these pages, please review the following resources. If you have tried tried every debt reduction technique possible, mastercardscreditcards then a non profit debt counseling service is often the best alternative. mastercardscreditcards Such services have been helping consumers avoid the perils of bankruptcy for years. Although there are other reputable counseling services,are among our favorites. offers a free, confidential debt consultation. You can find out more about their services by completing a simple mastercardscreditcards and mastercardscreditcards online form. Debt Saviors also offers a free book, entitled " to anyone intersted without obligation! has been helping consumers with debt problems for many years and are highly regarded. You can contact in select cities by consulting your on your credit accounts significantly... sometimes to as low as 0%! They also will assign you a personal counselor that will help you develop a debt repayment plan. Note! Please use caution when choosing a credit counseling service.

Additionally, a lot of people would ask mastercardscreditcards for a 10-point reduction,"A lot of people aren''t mastercardscreditcards going to get that, mastercardscreditcards 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 mastercardscreditcards to call their credit account issuers and ask for lower rates. mastercardscreditcards 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."

The consumers in the PIRG survey who saw their rates reduced had been with their card companies an average of four years. They were also using only 27 percent of their credit lines. Newer customers with higher balances may have a tougher time getting their interest rates knocked down. But it''s still worth a shot. "It''s well worth a five-minute phone call," "Why would you want to pay even $10 more to your credit account company if you don''t have to?" Obtaining a report is quick and easy. Just click on one of the links above mastercardscreditcards or below that interests you! Our most popular reports are the instant online approval report, the low rate report, the reward card report, and the low introductory rate report.

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