"It costs them a couple hundred bucks to acquire a new customer and it''s platinumselectaadvantage not so easy anymore," says author of What Every credit account User Needs to Know. And platinumselectaadvantage 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 platinumselectaadvantage issuers 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 platinumselectaadvantage 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.

According to a recent article written by and that was reprinted in a publication many firms, including those platinumselectaadvantage that aggressively advertise on TV, charge excessive fees and get bonuses from credit account companies for every client referral. Such firms may be legally structured as nonprofits by taking advantage of legal loopholes but their business practices are highly suspect. Large amounts of money collected from their services end up in the pockets of their executives. Executive compensation includes salaries, bonuses, and real-estate deals. A reputable credit counseling service should not depend on fees for more than 60% to 80% of its income and should also rely on grants and charitable donations. It should charge a maximum of $25 in monthly client fees. Finally, a reputable service will also provide free counseling and may have up to half of its clients enrolled in counseling alone (instead of being enrolled in a debt repayment plan).

Whether or not a borrower has taken advantage of low rates by refinancing or jockeying into another lower-rate loan product within the past 17 months, the mandatory step of becoming debt-free entails debt repayment. Those borrowers with variable-rate debt, such as that found on credit accounts or home equity lines of credit, will find that their efforts to pay platinumselectaadvantage down debt are more effective now when rates are platinumselectaadvantage low. This effectiveness platinumselectaadvantage will diminish notably several months or one year from now when rates have begun their inevitable march higher. OK, so what about those who do not receive a tax refund? Scrimp. platinumselectaadvantage Save. Moonlight. A good spring cleaning will no doubt produce a fair number of items that somebody else would gladly, or foolishly, pay money to acquire. Investing a few hours to promote and hold a yard sale can yield a tidy sum to be earmarked for debt repayment.

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