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  • Answer Upon - How to Lower Your Credit Card APR

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    omer service representative, stress the fact that you have not been late with your payments for X amount of time. Also, stress how long you’ve been
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    From time-to-time, we hear of ways to lower your credit card’s APR. “Just pick up the phone and call your bank,” they say. If you’ve tried to do lower your cards APR, you may find that it’s not that easy. You do have to do the work to get your annual percentage rate lowered. The upside: you can get your rate lowered. The downside: It may not happen for a few months.

    1. Maintain an excellent payment history. Make sure your payments are on time. On time payments, in my opinion, reflect positively on your ability to get your APR lowered. When talking to the customer service representative, stress the fact that you have not been late with your payments for X amount of time. Also, stress how long you’ve been

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    wer your cards APR, you may find that it’s not that easy. You do have to do the work to get your annual percentage rate lowered. The upside: you can get your rate lowered. The downside: It may not happen for a few months.

    1. Maintain an excellent payment history. Make sure your payments are on time. On time payments, in my opinion, reflect positively on your ability to get your APR lowered. When talking to the customer service representative, stress the fact that you have not been late with your payments for X amount of time. Also, stress how long you’ve been

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    get your rate lowered. The downside: It may not happen for a few months.

    1. Maintain an excellent payment history. Make sure your payments are on time. On time payments, in my opinion, reflect positively on your ability to get your APR lowered. When talking to the customer service representative, stress the fact that you have not been late with your payments for X amount of time. Also, stress how long you’ve been

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    ure your payments are on time. On time payments, in my opinion, reflect positively on your ability to get your APR lowered. When talking to the customer service representative, stress the fact that you have not been late with your payments for X amount of time. Also, stress how long you’ve been
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    omer service representative, stress the fact that you have not been late with your payments for X amount of time. Also, stress how long you’ve been with the company. Talk up your sense of customer loyalty.

    2. Do your research. If you APR is too high and you want to take your business somewhere else, be sure you’ve done your research. When you’re on the phone with the representative, have the most attractive offers in front of you so you can cite the reasons why you’re thinking of a balance transfer.

    3. Be polite. This one can not be overstated: Be polite, be polite, be polite. These men and women work hard at their jobs for hours on end. Clearly they’ll respond more positively to s

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