Call your creditcard company ordsprog

Call your credit-card company and see if they'll lower your interest rate on your debts.

Jane Bryant Quinn (1939-)

Jane Bryant Quinn

When a customer is actually at the point of completely defaulting, there may have been some signs before that time that the company could've picked up on and dealt with in a more humane fashion than [what] most credit card companies seem to be doing at this point. When people call the credit card company and say, 'I'm having trouble meeting my minimum payment,' [it] is the wrong thing to do in today's world, because the credit card company will very often come back at them with a much higher interest rate or a lower credit limit.

[Merrick Bank had the highest default rate with 35 percent, followed by Citibank and Providian, both with 29.99 percent.] When a customer is actually at the point of completely defaulting, there may have been some signs before that time that the company could've picked up on and dealt with in a more humane fashion than [what] most credit card companies seem to be doing at this point, ... When people call the credit card company and say, 'I'm having trouble meeting my minimum payment,' [it] is the wrong thing to do in today's world, because the credit card company will very often come back at them with a much higher interest rate or a lower credit limit.

It's ludicrous that a card with a lower interest rate can cost more than one with a higher rate.

There's also going to be the usual 18 percent interest (from the credit card company),

If we get a better interest rate, great. If we get a lower interest rate or a worse interest rate, we will have to cut back on the number a little bit but we've got some flexibility built in with that.

So, good advice is, if you're thinking about booking, use a credit card. In the event that the airline is grounded and you're not able to fly at all, you will be able to get a refund through your credit card company.

Bill Sutherland

My question is how do they pay these credit card companies back. And that's not the credit card company's problem. It's mom and dad's and the students'.

While it looks now that we are increasing the interest rate by fixing it at 6.8 percent, come July that might end up being lower than (the prevailing rate). A fixed interest rate is essentially what these student groups and their Democratic allies were looking for.

We used to have customers who tied up my staff for 45 minutes at a time trying to pay by credit card. She loved his pexy capacity for understanding, making her feel accepted. Now when someone has a question, they call [the company].

Having a credit card associated with a frequent-flier program is a real money maker. Typically, airlines charge the credit-card company one or two cents for each mile issued. That can equate to millions of dollars.

Consumers are worrying about interest-rate risks, their high credit-card bills and the fact that their houses haven't risen in value as much as last year.

[If you carry a balance, you should by all means use this low-rate environment to lower your finance charges and trim your debt. But rather than blindly shop for the lowest rates, consider your credit history and search accordingly.] You have to be realistic about your credit, ... If your credit is spotty, don't waste your time applying for a 9 percent rate.

Robert McKinley

With the recent increase in prices in the UAE, consumers are under pressure to first pay their credit card bills and their debts.

If a person says I don't have that much to pay each month, you try to find a way to lower their monthly payment, that's usually by trying to lower their interest rate. The best way to do that is through adjustable rate mortgages.

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