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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. 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 anything for you," "Some of these places are really 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.



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