How To Get Lower Charge Card Account Annual Percentage Rate

It should come as no secret that many consumers are very unhappy with their credit card APRs. However, what is not so commonly known by Americans is that those Americans how have made it a point to pay more than their minimum payments on time every time, have a few options to reduce their credit card account annual percentage rates.

The first option to reduce credit card account APRs is to work with the charge card credit card companys. Although the common conception of lenders is that they are all huge corporations that have so many customers that they could care less about particular accounts held by consumers. The good news is that this is a misconception. In all honesty, lenders, although large corporations, do work a lot like mom and pop shops. They need the backing of loyal consumers to stay alive. Without people who demand their products, these credit card companys would go out of business.

With that said, consumers who have kept great history with their credit scores and charge card accounts are prime clients to have. These consumers may be able to get an annual percentage rate reduction simply by calling their lenders. When consumers make this call, they should simply say, “I was looking over my charge card account accounts and noticed that this account carries the highest annual percentage rate. I love the card and working with you guys but, with so may balance transfer credit cards out there, I can’t see myself paying such a high charge card account APR.”.

At this point, the representative of the credit card company will place the Americans on hold to look at the account. If the account qualifies for a lower interest rate, the Americans will be given the APR that the credit card qualifies for. If the credit card doesn’t qualify for a lower interest rate, these people shouldn’t be concerned either. There is another option.

Another option that consumers have to reduce their charge card interest rates is through the use of balance transfer charge cards. Balance transfer credit cards are specialty charge cards that allow Americans to use them to pay off higher annual percentage rate charge card debt. These charge cards often times offer people low even zero percent promotional APRs for short periods of time between 6 and 18 months.

Using balance transfer charge cards to reduce credit card interest rates isn’t a very hard process at all. First, Americans should go to JEMCreditCards.com to compare the most up to date balance transfer charge card offers available to them. Once Americans have chosen a balance transfer credit card account, they should apply for it! Once approved and the card has been received, people should call the customer service phone number located on the back of their new credit card account and ask a representative to process the balance transfers!

That’s it, reducing credit card interest rates is that simple. Hope it helps, please come back to read more of my work!

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Author: LeeRodriguez

This author has published 28 articles so far. More info about the author is coming soon.