Make This Call To Cut Your Credit-Card Fees

Of those who asked, 87 percent got a late payment fee waived; 69 percent got a lower interest rate; 89 percent got a higher credit limit; and 82 percent had their annual fee waived or reduced, creditcards.com said in its report. Upping the maximum available amount allows people to put more money on their credit cards to get rewards, without exceeding that limit.

More than 80% of people who ask their card company for relief from their annual fees receive it, according to a new survey.

"You certainly wouldn't get a late fee waived every time you ask for it, and certainly not if it's your third or fourth time in the last couple of years", Creditcards.com's Matt Shultz told WTOP.

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He says this is also a good time to shop for a new card. Experts suggest keeping this ratio below 30% if possible; 50% or greater may be a red flag to creditors who will offer you higher short-term interest rates as a result. "Given the success rate that we've heard, it's certainly possible that this might be able to get done via chat, but probably the most likely way to do it is the traditional way", Schulz says. "It never hurts to call and ask because the worst thing that can happen is they say no, and the best thing is that you can end up saving some money". But when it comes to getting an interest-rate reduction, you may need to negotiate more.

It's a much better deal than 13.61 percent, the average April for all USA credit card accounts that were assessed interest in the last quarter of 2016, according to the Federal Reserve. However, if you have a bill well into the thousands or your tax bill is pushing the maximum credit limit on your card, your credit score will be affected because your credit utilization ratio will rise. So rare that only 1 in 9 Americans can claim they're members of this elite club.

You can find more information about the report here. The Motley Fool has a disclosure policy.

(Copyright © 2015. All Rights Reserved.)
 
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