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5 Tip to Negotiate a Lower Credit Card Interest Rate

Do you use credit cards? Personally, I try to avoid using them most of the time. I’ve found that it’s far too easy to pull it out and pay for everything. Plus, I’m somehow always end up spending more than I planned. But if you are like most people, including me, you do use one at least occasionally. Of course, if you use it often, it eventually catches up with you when the bill comes in the mail. If you aren’t able to pay it off in full each month, you may end up with high interest charges to pay each month on top of the cost of your purchases. But negotiating a lower credit card interest rate can help you get your purchases paid off without wasting as much money on interest. Here are some tips to help you negotiate a lower credit card interest rate. 1. Don’t Switch Cards Although it may be tempting to try to get a credit card from a different company and transfer the balance, it may not work to your advantage. Each time you apply to get a new credit card, the issuing credit card company does a hard inquiry to your credit ...

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Negotiation is Not Haggling, it’s a Way of Life

Negotiating our way through life is a matter of how we deal with other people just as much as it is how we handle the bottom line numbers at the end of the month. In fact, the two things go hand in glove. If you get the best out of the people around you, and - more to the point - if you get the best deals from the people around you, those month-end figures are going to be a lot healthier. Negotiation So, when we say ‘negotiating’ we are not kidding. Most people have the idea that a negotiation is a kind of a pitched battle. If you are haggling for a used car or debating with your partner how to make the best use of a tax refund then the negotiation process is pretty easy to identify. You lock horns, you put your negotiating wits against each other and may the best person win. Those negotiations are nice and static, and no-one would ever argue that they are perfect examples of what ‘negotiation’ means. But there is more to negotiation than just haggling for what you want. The subtle, easily overlooked undercurrents of our daily lives are ripe ...

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