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If the interest rates on your credit cards are significantly higher than the average — say around 30 percent APR, for example — you might want to consider lowering your rates.
Having multiple credit cards is good for your credit score, so consider keeping your high-interest account open while you look for a new card with lower interest or better credit card rewards ...
The credit card issuer may extend an attractive offer that makes it worth your while to stay, such as waiving the annual fee for a year, lowering your interest rate or issuing bonus rewards.
A poor credit score can be damaging and demoralizing -- particularly when you apply for a mortgage, personal loan or new car loan. FICO credit scores range from 300 to 850, and the higher the ...
For example, if your issuer raised your interest rate as a penalty for making a late minimum payment, you can ask to return to the lower rate once you are current with your payments for six ...
Lenders, such as banks and credit card companies, use credit scores to evaluate the potential risk posed by lending money to consumers and to mitigate losses due to bad debt. Lenders use credit scores to determine who qualifies for a loan, at what interest rate , and what credit limits. [ 3 ]