My little obsession on bad credit credit cards
Customers lowered their annual interest rate by an average of five to six points, and some companies offered them perks like no interest for half a year. One customer more than halved her exorbitantly high interest rate, an important consideration if you have a credit card for bad credit. Customers suffered no penalties if their credit card issuer refused to lower their interest rates. As long as you are polite to the credit card representatives, asking for a reduction in your interest rate is risk free and has an exceptionally high success rate. If you pay an annual fee, the same method can convince your credit card issuer to waive it.