Talk your way to a better credit card

by Gary and Lisa Schoeffler on October 18, 2011

in Latest News

Your card’s terms may be negotiable, so consider asking for changes like a lower interest rate or reduced fees. To be successful, though, you’ll need to go about it the right way.

The honeymoon is over.

In the beginning of your relationship, when your credit card was all shiny and new, it attracted your attention by teasing you with a low interest rate and the promise of a lifetime of lavish rewards and lots of laughs. So you and your card hooked up, and at first, it was a match made in heaven. You took your credit card wherever you went, consulted with it before making major life purchases, and once spent a romantic weekend with it

touring the Louvre and visiting the Eiffel Tower.

But lately, things have been different. You’ve noticed that your card has let itself go. It’s put a few pounds on the interest rate and no longer seems eager to give you free airline rewards or triple points on gas and groceries. And naturally, you’re wondering if there are better credit card offers out there.

It doesn’t have to be that way. You can negotiate with your credit card and reclaim some of the magic. But as with any relationship, plastic or human, it takes work. So if you want to negotiate with your credit card — OK, the credit card company — here’s what you need to know.

Lisa Schoeffler, CRS, ASP
Prudential California Realty
A member of HomeServices of America, Inc.
a Berkshire Hathaway affiliate

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Post by Gary and Lisa Schoeffler

Gary and Lisa Schoeffler are Ventura Real Estate Professionals specializing in residential real estate. Their expertise in helping both buyers and sellers is widely recognized in Ventura County. How can they assist you today? Wondering what the market is like? Call them, they will be happy to talk with you about it. 805-320-4472

Gary and Lisa has written 372 articles.

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