How to protect seniors -- older parents, relatives and loved ones -- who live alone. Tips on what to do in case of an emergency. Safety ideas.

Thursday, February 19, 2009


Rule 9. If your credit card company’s interest rate (APR) is too high, ask for a lower rate.

Another example of “If you ask, ye shall receive.” It cannot hurt to ask for a lower rate, which will mean less interest being charged to your account, which means you will be able to pay off that card faster. If you make payments on time, month after month, you become more reliable in the credit card company’s eyes, and hence it’s more likely you’ll be eligible for a lower APR. Many credit card companies automatically offer you a lower rate when you qualify, but if that call doesn’t come, take the initiative and ask for a lower rate yourself. If the first customer rep you ask says no, remember to ask for a supervisor!

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