Comments on: Lower Your Credit Card APR: Phone Script from DebtGoal http://www.mymoneyblog.com/lower-your-credit-card-apr-phone-script-from-debtgoal.html Personal Finance and Investing Blog Sun, 12 Feb 2012 01:43:13 +0000 hourly 1 By: Mobillan http://www.mymoneyblog.com/lower-your-credit-card-apr-phone-script-from-debtgoal.html#comment-173609 Mobillan Sun, 20 Mar 2011 00:10:53 +0000 http://www.mymoneyblog.com/?p=7677#comment-173609 Sounds like a good idea if you too lazy to compare the credit cards by yourself. Or what is there anything else of value that they offer? Sounds like a good idea if you too lazy to compare the credit cards by yourself. Or what is there anything else of value that they offer?

]]> By: Fabian http://www.mymoneyblog.com/lower-your-credit-card-apr-phone-script-from-debtgoal.html#comment-166762 Fabian Tue, 20 Jul 2010 05:54:17 +0000 http://www.mymoneyblog.com/?p=7677#comment-166762 they can raise your rates AND they do. if your credit score goes down they have the right (according to the contract) to raise your rates. only recently legislation has been passed that prohibits unfair interest hikes, but how many people will know to do something about it? Did you know that credit cards determine places you shop at and if you normally shop at really nice places and then go to wal-mart, they might lower your credit limits? I say the best way to deal with credit cards is to pay them off and then start living on a cash budget and save like crazy they can raise your rates AND they do.

if your credit score goes down they have the right (according to the contract) to raise your rates. only recently legislation has been passed that prohibits unfair interest hikes, but how many people will know to do something about it?

Did you know that credit cards determine places you shop at and if you normally shop at really nice places and then go to wal-mart, they might lower your credit limits?

I say the best way to deal with credit cards is to pay them off and then start living on a cash budget and save like crazy

]]> By: Don http://www.mymoneyblog.com/lower-your-credit-card-apr-phone-script-from-debtgoal.html#comment-160893 Don Thu, 27 May 2010 02:42:34 +0000 http://www.mymoneyblog.com/?p=7677#comment-160893 JDub: I believe they can't raise rates on existing balances, so I'd say they told you a half truth. However if the context of your call was that you carry a balance and want to lower the rate, I'd call their response fair. JDub: I believe they can’t raise rates on existing balances, so I’d say they told you a half truth. However if the context of your call was that you carry a balance and want to lower the rate, I’d call their response fair.

]]> By: DebtGoal Community http://www.mymoneyblog.com/lower-your-credit-card-apr-phone-script-from-debtgoal.html#comment-160805 DebtGoal Community Wed, 26 May 2010 19:34:43 +0000 http://www.mymoneyblog.com/?p=7677#comment-160805 Thanks for sharing our service with your readers! Two corrections/additions: (1) Our guide to negotiating credit card rates is always FREE at NegotiateMyRate.com, and (2) Our full service runs $14.99 a month after the free trial. Thanks again, DebtGoal Community Thanks for sharing our service with your readers! Two corrections/additions: (1) Our guide to negotiating credit card rates is always FREE at NegotiateMyRate.com, and (2) Our full service runs $14.99 a month after the free trial.

Thanks again,
DebtGoal Community

]]> By: dima http://www.mymoneyblog.com/lower-your-credit-card-apr-phone-script-from-debtgoal.html#comment-160533 dima Tue, 25 May 2010 21:38:11 +0000 http://www.mymoneyblog.com/?p=7677#comment-160533 Use "and" instead of "but" when you are trying to get something. In general, "but" introduces a degree of negativity in your statement (as in "I just told you all these great things but now here's the real deal"). Otherwise seems like a nice little script that a rep cannot really pick apart on a technicality. Use “and” instead of “but” when you are trying to get something. In general, “but” introduces a degree of negativity in your statement (as in “I just told you all these great things but now here’s the real deal”). Otherwise seems like a nice little script that a rep cannot really pick apart on a technicality.

]]> By: Ace @ aceofwealth.com http://www.mymoneyblog.com/lower-your-credit-card-apr-phone-script-from-debtgoal.html#comment-160467 Ace @ aceofwealth.com Tue, 25 May 2010 18:11:38 +0000 http://www.mymoneyblog.com/?p=7677#comment-160467 This sounds great. I would love to try this technique to get out of paying an annual fee for one of my credit cards. Thanks for the tip! This sounds great. I would love to try this technique to get out of paying an annual fee for one of my credit cards. Thanks for the tip!

]]> By: JDub http://www.mymoneyblog.com/lower-your-credit-card-apr-phone-script-from-debtgoal.html#comment-160432 JDub Tue, 25 May 2010 14:48:46 +0000 http://www.mymoneyblog.com/?p=7677#comment-160432 I've done this before on 2 credit cards and it worked great! But that was over a year ago. I recently called (as in last week) and tried again and both card companies told me that Congress had passed a bill that prevented credit card companies from raising interest rates for the time being. But the flip side is the credit card companies aren't lowering rates either until Congress allowed them to raise rates. I have excellent credit (793 credit score) so I don't believe they're lying to me because I can't get a lower rate because of my credit rating. I’ve done this before on 2 credit cards and it worked great! But that was over a year ago. I recently called (as in last week) and tried again and both card companies told me that Congress had passed a bill that prevented credit card companies from raising interest rates for the time being. But the flip side is the credit card companies aren’t lowering rates either until Congress allowed them to raise rates.

I have excellent credit (793 credit score) so I don’t believe they’re lying to me because I can’t get a lower rate because of my credit rating.

]]> By: New York OA Trader | Shared Items From Around The Web – May 25, 2010 http://www.mymoneyblog.com/lower-your-credit-card-apr-phone-script-from-debtgoal.html#comment-160402 New York OA Trader | Shared Items From Around The Web – May 25, 2010 Tue, 25 May 2010 13:00:29 +0000 http://www.mymoneyblog.com/?p=7677#comment-160402 [...] Lower Your Credit Card APR: Phone Script from DebtGoal [...] [...] Lower Your Credit Card APR: Phone Script from DebtGoal [...]

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