"It onlinecreditcardsapprovals 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, 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 onlinecreditcardsapprovals to borrow the money they lend to customers. "They can afford to give 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 confrontations ought to be able to handle that. You only need to be assertive for a matter of seconds.

A brand new card offered by features up to 1% cash back on purchases as follows: .25% cash back up to $1000; .5% cash back from $1001 - $2000; .75% cash back from $2001 - $3000; 1% cash back on purchases $3001 and above. Instant online application (this card is only offered online). Rebate is issued in the form of an automatic annual rebate check (check is mailed). There is onlinecreditcardsapprovals no cap on the amount of annual rebate that can be earned. Introductory 0% APR for onlinecreditcardsapprovals six months for purchases. No annual fee. Earn up to (depending on total dollar value of annual purchases) 2% cash back on your purchases any month you choose to carry a balance and up to 1.5% back in the months you pay your balance in full. There is no limit on the amount of cash back you can earn. Awards get credited on onlinecreditcardsapprovals an annual basis. Offers "instant online approval". line up to $100,000 (classic card has credit line up to $10,000). Cash back percentage levels are as follows: .25% for $0 to $2,000, .5% for $2,000 to $5,000, and 1.5% in excess of $5,000. If you carry a balance, onlinecreditcardsapprovals you will receive an additional .5% rebate for that billing period. The rebate applies to purchases but not to Cash Advances, returned purchases, balance transfers, or the purchase of 3.9% 6 month introductory APR on purchases and balance transfers. No annual fee.

Credit account Rewards Get cash rebates or frequent flyer miles just for using your card to make everyday purchases! Instant online applications. Click on the "Reward Cards Reports" link. Best low rate accounts Discover the best low introductory or balance transfer and low ongoing account rates in the country. Instant online applications. attractive card offers. Plus, free credit report offer. Our newest report rates cards offering account applications and instant account application approval decisions (i.e. instant approval credit accounts). I am now able to apply and get approval for lower interest rate credit accounts. A high credit line... If you have a late payment, they completely trash your credit rating. Online account access... Prepaid accounts or gift cards are nice gifts, but be wary of the fees that credit account companines charge to issue these cards.

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