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APR often matters the most while deciding for a credit card. It is a common (and correct) impression that credit cards with further benefits invariably have got high APRs. This is true for almost every credit card company that exists.

You may be having a credit card that have a high APR but offers you certain resistless benefits and advantages. It may have got got some rank benefits that you have go so accustomed to. There can be countless benefits for you, but you may recognize after a certain point of clip that you are paying a high APR for your credit card than the other credit cards in the market. This tin be a enigmatic place to be in, as you make not desire to lose the benefits that you are availing because of the credit card and you also make not desire to pay a high APR. Inch this situation, is there any mode to lower your APR? Well, here we discourse the possible manner of doing so.

Let us presume that you have got a good credit history. In this scenario, you will surely have tons of mails and letters informing you of assorted new offers and schemes. Your letter box would invariably be filled with unsought letters and mails from credit card companies. Your natural inherent aptitude would obviously be to rupture and throw it in the ashcan but that is not the manner to make it. Check out these booklets and compare the services and APR with your credit card company. You can also check web land sites and other beginnings for comparison between assorted credit card companies. Once you have got done a elaborate research of the credit card market, give a phone call to your credit card company and state them that you got a better offer, in terms of APR and benefits, from another credit card company. It is highly likely that the executive director receiving your phone call would seek to convert you. In such as a case, do certain that you speak to the supervisor who would be handling the operations. Then go through on the message that you have got received a better offer from another company (probably a competitor). The supervisor may inquire you to wait for some more than clip as there are better strategies around the corner. You have got to be adamantine and state that you cannot wait. In most of the circumstances, the supervisor would cut down the APR by around 50%. Even if this haps for a time time period of six months, you have got surely saved some money.

No problem, you can reiterate the same strategy after a period of six months, unless you really get a better offer!