Landing on Credit Cards with Lower Interest Rates

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Credit Card Applications » Research » Guides » Travel with Credit Cards » Landing on Credit Cards with Lower Interest Rates

Landing on Credit Cards with Lower Interest Rates


Updated: December 26, 2012

The content is accurate at the time of publication and is subject to change.
This content is not provided by Citi. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by the Citi.

Credit opportunities are rare. They usually come knocking only to those who deserve to have them. Deserving people are meant to have great chances because they managed their credit well in the past ending up with pleasant credit history and high credit scores. Being approved of a credit card application does not always mean good news. You may see yourself deserving but best offers for these kinds of opportunities include landing on the lowest rates possible.

The advantages of having a credit card are true to almost all holders. They need not have to worry about having the cash on hand when buying at a mall. All they need to do is swipe out the card and they are given a month to settle the amount. The truth about credit cards is that they all differ when it comes to interest rates, grace periods and other forms of credit card rewards. The prize of a responsible credit card holder should be given by the issuer in many exciting forms.

One of the best credit card rewards that one could get is to grab the lowest interest rates upon renewal. You can let the issuer consider your longtime customer relationship and your payment history. That is, if you really think you deserve to be given the reward. You can call on your agents and ask them to make your credit worthiness a basis for reduced interests.

If negotiation with your existing company does not work out, you can always look for better companies with rates lower than what you are paying for at present. Visa or MasterCard can show you a list of preferred issuers aside from those you can opt for your second application. There is nothing to fear if you really think that you have been responsible in you past credit card use.

It is not all the time that you get approved of low interest rates. If you think you do not deserve what has been given you and you were denied of what you are asking for, then the credit card company has the responsibility to make explanations of their decision. Ask for assistance on other financial institutions to request for a written explanation from the company. Their reply will help you ease out the trouble and will aid you in fulfilling all that it takes for better credit options. Credit card rewards are there for those who are working hard to have a good credit history.

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.
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