Lower Credit Card Apr

My APR on two of my cards is greater than 20%. I called the company and they each less than 1%. I checked my credit report and it is excellent.

Get new cards with lower rates.

Important: Do not cancel cards w / APR higher. Leave open. Having a long history with a credit card is good for your credit score.

Get a Loan APR than a bank or credit cards is to pay option. You can also check credit cards that offer other promotional RPA sometimes as low as 0% or 1.9% on balance transfers for 12 months. You may have received some in the mail. Otherwise, go directly to the source and appeal. Some potential may be Wachovia, WaMu, Bank of America, Juniper, HSBC to name a few. Good luck, however. With the recent upheaval of loans and takeovers lot of money, banks can not be more generous.

The first thing to know is why you have this April in the first place, overlimit late score FICO credit risk if your APR just recently re-evaluated they should tell you one reason why most of time is a change in terms, because of your credit, if his reason for being late or overlimit of the credit card company if you ask them and get an escalation rate you may have previous if it is because of credit risk such as fico score usually you have 30 days after you get changed in April escalation they might want you to close the account back to April last, if this The above applies to you then contact the company credit card and ask them for a lower rate of its no guarantee that they will do for you, but you can try ...

As with anything in life, if the company you use, you load too, then leave for a company that charges less. Apply to a credit card with lower rates and transfer your balance.

Stop using these cards. pay them, and do not use them. As other poster said, you do not close them. Get new loans with lower rates. Try Capital One, I have always been very satisfied with them.