Negotiating Rates with Your Credit Card Company
by Claire Bowes
Ok, let’s face it, everybody hates high credit card rates, and they drain hard earned money out of your wallet. As a valued consumer, it is apparent that you learn how to negotiate to get the absolute best rate that you possibly can. The good news however is that it doesn’t have to be a difficult or time-consuming process. In fact, it can be very easy indeed if you know what you’re doing. In this article we will discuss the ins and outs of credit card negotiating to ensure that you get the best possible rate with the least amount of effort.
1. First and foremost, you should figure out if you even want to continue using your current credit card company http://the-credit-card-shop.co.uk/credit-card-company.htm. Are you pleased with the overall service that you are receiving? Do you like their benefits? If the answer is yes then you can proceed. If not, you should stop reading this article and start looking for a better company.
2. Second, you should evaluate your paying history and make sure that it is positive before you call to negotiate. If it is positive then you have power and if it isn’t then you’ll be negotiating from a position of weakness and that might not be good. Instead, you should wait until it is more positive before you call them to negotiate rates.
3. Third, if you have a good history then remember this when you call. In essence, you’ll have extremely high negotiating power. The company needs your business in order to be successful and with clients they lose big time. Therefore, you should always display this “take them or leave them attitude” while conducting your negotiations.
4. Draft up a script and memorize it. It can be as simple as “Hello, my name is Bill and I have been a cardholder for X years and I consistently pay my bills on a time. Well recently I have been receiving all types of credit card offers from XYZ bank indicating that I qualify for an extremely low interest rate of X and am considering leaving you and going there if you can’t offer me a lower rate. Is this something that you can help me with?
5. Practice, practice and practice some more with your script until you are completely and totally used to it. Once you are, contact the company. Read your script and see what happens.
6. If you get a hard nose customer service representative then don’t threaten her. Be agreeable and ask to speak to his/her supervisor. If that is not possible, be nice to her and try again she may have some leeway. If you like your present company, you can even try negotiating interest rates http://the-credit-card-shop.co.uk/low-interest-credit-cards.htm , annual and even those yucky late fees.
7. However, if you’re fed up, have an alternative company in the wings, and your current company won’t budge with their rates then be willing to take your business elsewhere. After all, you hold the power so don’t be afraid to use it! They key however is to not bluff but to follow through with your threat. Close the account, ask for them to send you notification in the mail, cancel the credit card and use another card.
In conclusion, you can be successful with the negotiating process if you follow the above mentioned tips. If your current company is unwilling to cooperate then you should simply take your business elsewhere. You’re better off with another credit card company that values your savvy negotiating skills!
Have You Lost Your Mind?!
by Sherri L Dodd
Have You Lost Your Mind?!
He was fighting me every step of the way, arched back, stiffened legs and an indignant bellow. With my mind focused on securely fastening my toddler in his seat, all else was an insignificant distraction. Even when my remote became wedged between my hipbone and the carseat and locked the doors. Even when my keys, once secured in my pocket, dislodged and fell to the floor. Yes, they were all just distractions. When I accomplished the chaotic task and my son was secured in his babyseat I shut that door and knodded with the confidence of a true champion.
Have you ever had one of those slow-motioned moments when you know you just did something really unintelligent? Well, the ton of bricks hit me right before that doo 
Have You Lost Your Mind?!
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How to be Professional?
by Hussain A. Al-Zaher
Is it difficult to be professional? I think from my experience in my long life that profession can be reached by following several tips help to achieve profession:
1 - Put a goal in a specific field or subject.
2 - Put a structured plan to your field or subject of profession.
3 - Use if-then analysis and expect the difficulties that you are going to face in your progress to be professional and how you are going to mange each.
4 - Evaluates your progress with your plan and make any needed adjustments.
5 - In your progress towered your goal remember this statement "when you do a thing do it perfectly".
6 - Have several plans within your main plan when plan A doesn't work directly switches to plan B.
Finally, rememb How to be Professional?
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Negotiating Rates with Your Credit Card Company
by Claire Bowes
Ok, let’s face it, everybody hates high credit card rates, and they drain hard earned money out of your wallet. As a valued consumer, it is apparent that you learn how to negotiate to get the absolute best rate that you possibly can. The good news however is that it doesn’t have to be a difficult or time-consuming process. In fact, it can be very easy indeed if you know what you’re doing. In this article we will discuss the ins and outs of credit card negotiating to ensure that you get the best possible rate with the least amount of effort.
1. First and foremost, you should figure out if you even want to continue using your current credit card company http Negotiating Rates with Your Credit Card Company
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Living in LOVE : Remembering why you married
by Samantha Olea
The kids are yelling, the dog is barking, and you just found out that your spouse forgot to do the one thing that you needed them to do today…again! This scenario may sound typical for your family, or your scenario could be worse. Maybe you and your spouse are arguing more and more, and connecting less and less? You may have even asked yourself, “Is this marriage a mistake?”. Though you knew your life wouldn’t be like the Brady Bunch, you may find yourself surprised at just how much work a marriage can be – and its twice as hard if only one person is working at it.
If this is your situation, ask yourself why you married your spouse? I know it sounds silly, but really…why did you marry them? “Because we were in love”- well, that’s the eas Living in LOVE : Remembering why you married
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