Watch more Credit & Credit Cards videos: http://www.howcast.com/guides/29-Credit-and-Credit-Cards Subscribe to Howcast's YouTube Channel - http://howc.st/uLaHRS With a little effort and these tips, you can successfully negotiate with credit card companies. Howcast uploads the highest quality how-to videos daily! Be sure to check out our playlists for guides that interest you: http://howc.st/ytmainplaylists Subscribe to Howcast's other YouTube Channels: Howcast Health Channel - http://howc.st/HOE3aY Howcast Video Games Channel - http://howc.st/tYKKrk Howcast Tech Channel - http://howc.st/rx9FwR Howcast Food Channel - http://howc.st/umBoJX Howcast Arts & Recreation Channel - http://howc.st/vmB86i Howcast Sports & Fitness Channel - http://howc.st/vKjUjm Howcast Personal Care & Style Channel - http://howc.st/vbbNt3 Howcast empowers people with engaging, useful how-to information wherever, whenever they need to know how. Emphasizing high-quality instructional videos, Howcast brings you experts who provide accurate information in easy-to-follow tutorials on everything from makeup, hairstyling, nail art design, and soccer to parkour, skateboarding, dancing, kissing, and much, much more. Step 1: Contact card company Call your credit card company. Step 2: Ask for better deal Ask nicely if they will lower your interest rate. Tip Remind them of your history with them and consistent on-time payments. Step 3: Present other offers Mention other, more appealing offers you have received from their competitors. Step 4: Ask for a settlement Ask them if they will agree to a reduced settlement. Warning Settling on a credit card debt for lower than what you owe will hurt your credit score. Step 5: Improve your credit rate Improve your credit rating, which can get you a better interest rate, by paying bills and minimum balances on time, and by checking your credit reports for incorrect information and correcting them. Did You Know? Did you know? In 2008, 84 percent of undergraduates had at least one credit card.
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