Hello Saturday!! I’ve waited all week to see you again. After an epic time at the movies last night, I woke up with a sense of new possibility and expectation. I want to do something fun (and preferably free), so I started looking online for fun free things you could do on the weekend. I actually found this list of 103 ideas of which, I must say, some were quite funny but others made a lot of sense. 1 in particular was to save some money by reducing the interest rate on your credit card.
Now at first I figured, well that doesn’t sound fun or stress free but then I thought, reducing my credit card interest rate will end up saving me money at the end of the day so why not give it a shot?
The instructions from my research were quite clear and easy:
- Grab your credit card and turn it over.
- Call the number on the back of the card and ask what your current interest rate is.
- Confidently tell them it’s too high and ask who you can speak to in order to get it lowered or you will be forced to close your account or transfer your balance to another card with a lower interest rate.
And that’s all folks! Now, here’s the thing. Be prepared for them to say they don’t offer lowering it but don’t forget to mention closing the account or transferring. Don’t actually close the account just mention that you would have to consider doing it. If they absolutely cannot, as I learned some banks like Symphony Bank (who finances a lot of store cards) do not offer lowering APR, ask if there is some kind of interest offer they have to help.
I tried it and this is what happened…
I sat on the couch, grabbed a credit card, turned it over and dialed the number at the back. My first call was to Capital One. As soon as I mentioned possibly closing the account, the rep graciously offered my a 4% drop in interest which will save hundreds! The call lasted about 5 minutes. In my new found confidence, I grabbed my other card (Walmart) and started the process again. This time, I ran into Synchrony Bank who does not offer lowering APR, however the lady explained there is a list that they are adding customers to for those requesting a lower rate. When they do start to offer it, those customers will have it lowered. I added my name to the list and she also explained their 6 month interest free offer they had on certain purchases. I thanked her and came off the phone both with my new knowledge and excitement over the savings I had a acquired in less than an hour without moving from my couch.
Save some money this Saturday! Lower that credit card interest rate. Try it and comment below on your experience!
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