 I want my interest rate lowered on a closed credit card account. Will they reopen and do this? What do I ask? |
| They closed the account because I missed three payments. I had lost a job and couldn't make them at that time. I am fine now, and the account has been in good standing for over a year at this ... |
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 Does anyone have any bad experience with people giving out loans on here? |
| Someone is offering to help me with a business loan. I dont want to get ripped off are anything.... |
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 Can you view who has accessed your credit score? |
| My brother has been the final candidate for a number of jobs, and then been told that he didn't get the job. We're beginning to wonder if these businesses are accessing his credit score, ... |
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 Can you be bondable with damaged credit? |
| I lost my job due to lack of work and my new job does not pay as much. I am paying all my creditors but my only non secured one is only getting partial payments since that's all I can afford. T... |
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 What do I do about a dishonest lender? |
| I apparently made a mistake and sent money to the wrong lender. They are now not getting back with me. What can I do?
Also if they do not get back to me what are my liabilities in posting that ... |
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 ill try this question again...think Yahoo Q and A had fallen asleep!? |
| anyone know a rough estimate of monthly repayments on a mortgage of £140,000...just a basic repayment.... |
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 What is going on ? Please help? |
| I just paid off a collection account and two days later the same account was placed on my credit report by another collection agency. Can this be done?... |
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 Question about American express gift card? |
| ok i want to buy something online and i have an american express gift card. Will i have to put it in as a credit card or no. Since it is american express do i put it in as ... |
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 can i pay for a membership by personal check? |
| may i pay for a membership by personel check i dont have a credit ... |
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 0 credit card debt? |
| I applied for a mortgage 3 or 4 months ago and got approved but at that time I had 2 maxed out credit cards the balances were close to $2000 total, I realize that isnt a lot but I have them down to $1... |
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 How can I get a "change of liability form"? |
| I was divorced over a year ago and the judge awarded one of my credit card accounts to my x husband. My x has run the card up over the limit and not made any payments for over a year. The credit ... |
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 eBay - PLEASE PLEASE HELP ME!!!!!!!!!!!? |
| I had brought a laptop from another ebay user with over 400 positive 100% feedback. The laptop cost £250 : $500.
However the person wanted me to pay by bank transfer, i stupidly did after i saw ... |
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 will this make my credit look better or worse? |
| my credit was a 720. now its down to a 675. when i checked on it, the reason was because i only have two kinds of credit, credit card, and car note. i think its also because i have more credit debt ... |
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 Help with credit.........? |
| Okaaay.........I'm 12. Ok. Got that. Good. So I want to get a contract cell phone, but my parents have bad credit (their cell phones are with my cousin's line) as a 12 year old, could I do ... |
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Shie W | how can i lower my a.p.r.on my credit card? |
my credit card company wont help me out on this.. |
 
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aleish
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You can often get a lower APR by simply asking. You want to be a good customer — each institution has a way to rate you as a customer, the higher the score the better. To keep your score high, pay on time. Stay within your credit limit. Use your card at least occasionally. You need not carry a balance but an active account is crucial.
Here is a good article on how you can get the best rates on your current credit cards.
http://badcreditresources.com/how-to-get-the-best-credit-card-rates.html |
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Anthony J
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Call the credit card company and ask for a lower rate - it will work more often than you'd think.
Another option is to get a new card with a low rate and use it to pay off your old cards. Most of the time the new card's rate is temporary - an intorductory rate - but as long as you keep on top of it, you can have the lower rate for a while, and even repeat the process when the intro rate runs out.
If you own a home or some other big peice of collateral, it's a good idea to take out a loan against that and pay your credit cards - pay off the high-interest debt with low-interest debt.
Good luck |
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Ralfcoder
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Pay your bills on time, or ahead of time.
Pay more than the card's minimum payment amount - much, much more, like 10 times the minimum, or even 20 times.
Pay all of your bills on time - mortgage or rent, car loan, student loan, utilities, medical.
All of this will boost your credit rating, and make you more credit-worthy in the card company's eyes. You can then either ask them to drop your interest rate, or move to a card that offers a better rate. It will take time to do this - at least a year, maybe 2-3, depending on how much you owe, and how much you can pay. |
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monkey
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APRs only matter if you are not paying off your credit cards...you really should cut them up if they are causing trouble...not highly recommended, but you could apply for another credit card, as long as you don't have too many and get a lower APR to transfer your balance...this will hurt your credit if you do it too amny times, so only if you know you can handle it... |
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