Comments on: How to Negotiate a Better Credit Card Deal

on 6/22/2008 I was tired of paying 25% APR on my rewards card, so I googled a credit-card search engine called http://www.cardhub.com . I put in my parameters (one lets you categorize your credit between "excellent" and "poor", another lets you determine what kind of rewards card you want) and was able to easily compare the cards it found for me. When I was ready to apply, I clicked "Apply Now" and was taken directly to the credit-card company's Web site, so it was very secure. They also have an Education Center that helps you figure out how to improve your credit (see http://www.cardhub.com/Education/index.jsp ). All in all, a very positive experience. I highly recommend http://www.cardhub.com .

on 2/1/2008 This has excellent advice. GREAT job.

on 1/27/2008 How did you get the link inside your article, I tried using HTML before in my articles and it didn't work?

on 1/27/2008 Thanks for the info-- all one more point: if you ever close a credit account, it negatively affects your credit, so it's best to always be wary when opening an account to establish credit history.

on 1/27/2008 One time per year there is no charge for a credit report per reporting agency.

on 2/1/2007 This definitely works as i've done it myself. I also find that with some credit card companies (e.g. Citi), if you pay off your existing debt on the credit card, they offer you another balance transfer at a very low rate.

on 1/18/2007 Credit cards get a lot of negative press about keeping people in debt, but there are actually a fairly large number of positive aspects to credit cards. Heightened competition in the credit-card industry is giving card holders greater muscle to negotiate lower rates. They need to keep you as a customer. Say, "I really don’t want to have to stop being your customer but I have been offered a better deal with another company". This will make them less defensive and more likely to help you. If your credit card company is unwilling to help you can find low rate credit card at http://www.credit-land.com
Pay off you credit bill on time. You have worked hard to earn your money so why don’t you keep some of it?