credit card interest raised to 21.49% explanation to low available credit on their card any recourse ?
150355
If you've been paying on time try to find a card with a lower interest rate and transfer your balance from the card with high interest rate.  Check out www.bankratemonitor.com for credit card interest rates.
849595
My guess is that you can probably lower it to $300. That is usually the smallest amount credit card companies will lend because they need to make some money.
257064
Tell him you are trying to raise your credit score and that each inquiry costs points off the score. Also, you could say that you have too many open lines of credit and another one would also lower your credit score.
1123389
its called a cash advance, they incure really high interst rates so be careful, you first have to set up a pin number with you credit card first
1102530
First, cut up your cards and stop using them! Don't close the account though.  \n\nSecond, call your credit companies and talk to the manager-or someone that can and WILL get your interest rates down to 0% or almost 0%.  Don't take no for an answer.  I had to tell them that I was going to switch to ------ company before they lowered my interest on my cards.  your credit card companies don't want to lose you as their customer.    Remember they've got you - they think! \n\n Now that you have done that  DON'T PAY LATE and ALWAYS pay as much over your minimum due as possible! \n\n Also carefully check if they are charging for those so called "When you are out of work and cannot pay your bill---We will" insurance plans.   They don't work  I have tried it before, when my husband could not beg for a job I tried using this program and all I got was a black mark on my credit report and a closed account!  These programs eat up your money also!\n\n  Make sure you don't have any credit card protection plans  charging money from your cards also.  credit card companies should to be doing that service for you at no charge! \n\nAlso, Don't use those credit agencies.  They also leave a black mark on your credit report.  They say they help you with your credit but try to buy a home after using an agency and no creditor will want to help finance you.  (Been there - Done That!) You can get the same results as they do and save your credit report!\n\nLast but not least - after you have payed off your cards then only use ONE or TWO - ONLY CHARGE WHAT YOU CAN PAY OFF EVERY MONTH and YOU WILL SEE YOUR CREDIT SCORE JUMP HIGHER!\n\nAnd GOOD LUCK!
525918
The safest thing to do is contact them ASAP and make a payment that will bring you below your limit.  Many things happen when they calculate your statement at month end, they assess extra fees and penalties, they adjust your limits and they re-categorize your risk profile.  All these thing can have an effect on what your cost will be, so don't wait. \n\nWhen you call them take the opportunity to ask for a credit increase if you are going to hit your max periodically.  \n\nNever forget that in the hands of undisciplined users --CREDIT CARDS ARE PURE EVIL.  DO NOT LIVE BEYOND YOUR MEANS.\nYour choices now will have an effect on your credit needs in the future (like buying a home.)\n\nGood Luck ~The Renegade Banker
962290
Call your credit card company and have the charge reversed.  right away.
19827
They should not have cancelled your card just becasue you asked for a credit-increase.\n\ntry calling the customer service, and ask them why they cancelled your card... I think it is some sort of miscommunication.
729576
No, but its not very sensible as you are continuing to mount up interest charges.  Contact them and see if you can come to some arrangement which will make it easier to pay.  \nDONT IGNORE IT ANY LONGER!!!!
421231
the best way to lower your rates is simply to ask. when you call the credit card company tell them that you have been looking at other credit cards with lower rates and you were wondering if they would match it. if they say no to that, ask to speak with their supervisor and ask them the same thing. then if that doesnt work switch to another with a lower rate and transfer your debt to that one. \n\nalso, im not sure if a lot of people know this. but the reason that the rates got so high in the first place is usually due to late payments. so the best way to keep your rate low in the first place is to always make your payments on time. they can start to jack up the rates with as little as one late payment and they dont need to give you notice. \n\nhope that helps you
125141
First of all, you don't want to pay off your credit card every month.  You need to keep some outstanding balance to show activity.  I'm not saying to charge it and pay minimum either.  You should pay double or triple the monthly payment each month.  That will show the credit card company activity.\n\nCredit card companies usually review a customer's account every six months, at which time they decide whether to increase your credit limit.  You can also call them directly and ask for credit limit increases about every six months.\n\nAlso, did you know that once you establish credit, YOU can negotiate your interest rate?  A lot of people don't know this.  If you call the credit card company after having the card for a while, you can ask them to lower your interest rate after showing a good payment history.\n\nConsider a secured credit card. To obtain a secured credit card, you open and maintain a bank account or other asset account at a financial institution as security for your line of credit. Your credit line will be a percentage of your deposit, typically from 50 to 100 percent. Application and processing fees are not uncommon for secured credit cards. In addition, secured credit cards usually carry higher interest rates than traditional non-secured cards.\n\nYou also might consider getting a credit card from a local store, but make sure they report to the credit bureaus.
193792
Possibly because you haven't been paying the minimum interest payments. I know on my interest only mortgage, they allow me to do this without penalty, essentially increasing my principle each month. They actually highlight an amount on my statement that is less than my interest, trying to trick me into paying less today. It's all part of the scam. Read your statement carefully and pay more than just the interest due.
178459
1) They will charge you a fee\n2) They will raise your interest rates\n3) They will charge you a lot more of interest for any amount above $1000.00 (That rate can be higher than 25%)\n4) If you ever ask your bank for a credit line raise you could be declined\n5) You are supposed to keep your debt at 50% of your credit line or lower at all times. (If you only have 1 credit card you cannot have a debt of more than $500 at all times) if you keep your debt at 100% of your credit line your credit score will go down.\n\nI suggest you to keep your debt below $500 at all times (With that MasterCard) and apply for another credit card if you need to spend $1000.00
700299
You can call the company to see if they would give you an extension.    If they say yes, ask if they will remove any late fees on the account.\n\nIf they say there is no extension possible than you will still be delinquent but you show an effort of good faith and willingness to pay down your debt. \n\nRequest the customer service representative you speak with put a note on the account regarding your conversation.  Be sure to document your conversation by keeping their name, operator # and date.  \n\nIf there are notes on your account from your telephone discussion they will be advantagous if you need to have discussions with the Senior management at a later date\n\nHope this helps
1116851
Pay down the credit cards, and cancel them.  The interest rate is TOO HIGH.
954806
You call.  You say I'm interested in finding out if there is anything you can do about my current APR.  \n\nThat's it.\n\nIf they hem and haw, say you got an offer from another credit card company for 0% APR for the life of the transfer.  That usually gets them moving.  \n\nBear in mind though, that you should at least have been making minimum payments for some time.  They will work with just about anyone but the better you are in paying your bills, yet keeping a balance, they better off you will be.  They don't want you to take your money elsewhere, but they do want to be sure they are going to see some of it someday.
223330
Typically, credit card companies will accept any amount you send them - it's money. However, unless you pay the minimum amount due, they will charge you late fees and interest and overlimit fees (if applicable) and cancel your card if they deem it necessary. The only way to help with this is to call the company and calmy explain your situation. They still may not work with you, but there is no way they'll work with you if you just ignore the situation.