Best agency to lower your APRs?? I've heard on Oprah and other things that you requirement to call

I've heard on Oprah and other things that you requirement to call your creditors to negotiate your APR. Anyone hold luck with this? Just would similar to some tips on what to say and who to reach a deal to ?

Answers:    It won't hurt to call and ask. But if you in recent times got approved, more than potential your approval was base upon your credit score - which wouldn't enjoy changed in such a short time of year of time. Since you have no track history next to the company yet, you'll enjoy very little "leverage" to obtain the rate dropped.

Call and ask... but don't be surprised if they tell you "no". In that crust, keep the information open and protract a positive payment history, consequently try again in 12 months or so. Or, you could other try another issuer...

GOOD LUCK!

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