Many people have often asked this question, only to find that they were unable to find suitable answers. However, if you are really interested in saving as much money as possible, such as by lowering your APR, you will want to make sure that you are doing what is necessary to find the answer.
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There are many people who think that it is simply impossible to get the APR lowered or that if it is possible, that it is simply too difficult to achieve. You will quickly learn that neither of those thoughts is true. You can actually have your APR lowered, if you know exactly what to do and what to ask.
Now, it is important to realize that if you have been a terrible customer, you will most likely have a lot of room to try to negotiate anything. If you have a good payment history with them and you can make them believe that you would be more than happy to switch to their competition if they don’t work with you, you will have a much better chance at getting your APR lowered.
Once you have convinced them that you are more than ready to leave, all you have to do is ask for the lower APR. How it works is that the APR rates and standard fluctuate throughout the year. This means that there could be a time where you qualify for a lower APR, but they aren’t going to tell you that.
They figure if you aren’t asking for the lower rate, they aren’t going to offer it to you and that is perfectly within their legal right. However, if you ask for it, you shall be granted it. Of course, you might have to work on asking the right person and asking them at the right time, which you will soon have a better understanding of.
Now, depending on which credit card company you are dealing with, you will find that you will only be able to ask for a better APR every quarter while other companies will adjust the APR monthly upon request. You will have to call and ask the right questions to figure out just how often your credit card company will do this review and change for you.
Still though, there is a change that the customer service rep will tell you that they do not review or change APR rates. This is a simple lie and it is one that they will tell in hopes that you buy it and quit asking. Keep pushing though and ask to speak to a manager. Sometimes you have to get to someone higher up before you can get the changes on your account.
If your credit score is bad and you have missed or made some late payments, you might want to work on correcting such issues before asking for a lower APR. The better you can make yourself look, the better the chance is that you will be granted the better APR. Also, the APR rate that is available will be dependent upon your credit score.
The better the credit scores – the better the rates will be for you. Start making all of your credit card payments on time, preferably a week or so before the actual due date. Make sure that you are paying all of your other bills on time also. This will help to raise your credit score.
When it is all said and done, you have to make sure that you have been able to present your case well. If you have a decent enough credit score, if you have been making your payments on time and you have asked to speak to a member of their management team, there is no reason why you would not be able to get a lower APR.
Even if they are not able to lower it as much as you might have hoped, if it is still lowered, your attempt has resulted in success! Keep working on increasing your credit score and keep making your payments on time. In a few months, you could always try again and ask for another decrease in your APR rate.