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

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

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