3 to improve their credit card interest rates

These days, credit card companies can be "hidden": they often leap to the consumer interest rates in more subtle way, you will find faster on your credit card statement. Here are two reasons why credit card companies use to improve your interest rate: They check your credit report regularly and to use what they find in the credit report to justify higher interest rates you
They used late payments, even just a little late (for example, 10 days or less), and raise your interest rate. If you have information about your higher interest rate on your statement with your credit card company, they refer to credit card agreement you signed when you first apply for your card. (Does anyone actually read these)?
I found three things you can do to keep your credit card interest rate is low:

1. Subscribe to Autopay. Ask the credit card company Autopay application and pay the credit card bill automatically from your bank account. MBNA, for example, autopay statement, which allows you to take a minimum payment of automatically or payment of each month, say $ 250 USA. Autopay can play an invaluable role in the payment history and credit, part of the world you a low interest rate.

2. Raise your Credit Score. You may know that every one of us "credit rating" that "predicts" our ability to pay the loan on time. Credit card companies check your credit assessment average every 60-90 days or so. Cleaning your credit report may include the payment of any outstanding collections, which may compromise score. Even a $ 50 collection can compromise your credit score. Although the center credit report can be 4-8 months, the process is a book on my site, entitled "Improving your credit rate in 24 hours, that can give you tips to raise your credit score quickly.

3. Ask Lower Course. Sometimes just asking below results to a lesser extent. However, you should ask shrewd business lines, and sometimes need to be firm. The conversation will be something like this "15% figure is unacceptable to me. I need you to lower my rate to 9% for me to keep the account, or I will close my account. " Of course, it helps to actually mean it. But I assumed my bet down at least three times in this way, and you can, too.