A little passion for credit cards for bad credit
or is it? Credit card users across the United States have found that there is a way to get better credit card terms: Ask. The most effective method is to call up your credit card company and tell the customer service representative that you have a more attractive offer from another company and are considering switching credit cards. The customer service representative might send you to someone who specializes in convincing reluctant customers like yourself to stay, or you might stay with them throughout the call. Either way, when you are speaking with someone who can change your interest rate, lay out your case politely and calmly and be prepared to negotiate. If the first representative cannot make you an offer you like during your first call, thank him or her, hang up, and call back later, when you might get a representative who is more willing or more able to help you.