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8 Negotiation Tactics To Help Reduce Your Credit Card Debt 8 Negotiation Tactics To Help Reduce Your Credit Card Debt July 24 Replica Corey Seager Jersey , 2013 | Author: Martin P S Collins | Posted in Business
Chose the best time to call: An easy, yet very effective negotiation tactic is to choose the right time to call the credit card company. If you call them first thing in the morning they will most likely be in a better mood than in the evening after a long day of people trying to get out of their credit card payments.

Let them know you will pay back what you owe: Credit card companies are most concerned about people who try to get out of paying their debts altogether using various dirty negotiation tricks. It is important to stress that you do intend to pay them back, all you need is a bit of help from them. You will be surprised at how positive credit card companies can react to this approach. This is a very simple Replica Jackie Robinson Jersey , yet effective negotiation technique.

Make use of your first time: In case this is the first time you are asking to have a late fee waived or a lower interest rate, you need to tell the credit card company about it. They will be much more supportive to people who ask for this for the first time, rather than to those who ask every month!

Show them you are a loyal customer: If you’ve been a long-time customer or a big spender for several years Replica Mike Piazza Jersey , use this to your advantage. By reminding a company of your loyalty, you’ll find that they will be more willing to renegotiate your credit card debt because they don’t want to lose your business.

Ask for a lower interest rate: Unknown to many, credit card interest rates are often negotiable for those with good negotiation skills. If you have had a good payment history Fernando Valenzuela Authentic Jersey , you shouldn’t have any problems with requesting for a lower interest rate. Explain that you’ll be able to put more money towards paying off your principal balance instead of your interest rate charges.

Have late fees waived: This is a simple, yet very effective bargaining tactic. Late fees, like other fees Sandy Koufax Authentic Jersey , can easily be waived if you pay your bill within a few days of the due date. A solid credit history can be used as leverage, and may be well worth the effort to make that extra phone call.

Ask to skip a payment: When you are in a situation of financial problems that you think you will be able sort out in the near future, you can try to explain this to the credit card company. If you request to miss one or two payments as an exception Maury Wills Authentic Jersey , many companies are willing to give you this relief. The downside is of course a likely negative impact on your credit report.

Get to the decision maker as fast as possible: A good negotiation tip is to always attempt to speak to the person who can call the shots. Your initial call will likely be handed to a customer service representative, but you should ask to talk directly to the manager or whoever has the authority to make decisions. Write down the names, titles Kirk Gibson Authentic Jersey , contact details and timing for every call you make.

Martin P R Collins is a negotiation expert at Geneva Education who often gives very useful advice in his blogs and articles. Look here to learn his 20 most common negotiation tactics. Or click here for a free negotiation technique on a 90 second YouTube video.

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Do you like to drink holy basil tea? Holy basil tea is one among the effective herbal cures to alleviate the troubles due to acid reflux. Today, you can easily avail holy basil products in the form of tea powders from market. Hence use this natural remedy as per the need. Pumpkin seed is another safe cure to alleviate the troub.


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