Author: Jakob Jelling 作者：雅各布耶林
Article source: http://www.hotlib.com/ . 文章来源： http://www.hotlib.com/ 。 Used with author's permission. 用作者的许可。 With today's credit card companies, there are many opportunities to get your cards rate of 21% or more reduced.随着今天的信用卡公司，有很多的机会，让您的卡率为21 ％或更多减少。 The higher the amount of interest your card charges will cost you more for a simple purchase and ultimately may take you years to pay off instead of months, should you make the minimum payment allowed.较高的利息金额您的信用卡的费用将耗资你更简单的购买，并最终可能需要你来回报而不是几个月，你应该做出的最低付款不允许的。 People often just pay the minimum balance as a way to improve their credit rating; this couldn't be a more dangerous way to increase your credit score.人们往往只支付最低余额，以此来提高他们的信用评级;这不可能是一个更加危险的道路，以提高您的信用评分。 Leveraging the credit card company to say "Uncle" to your ability to switch over is easier than you think.利用信用卡公司说， “山姆大叔” ，以你的能力切换更容易比你的想法。 The switch over tactic转换策略 If your credit card interest rate is over 20% you should definitely seek relief in several ways.如果您的信用卡利率为20 ％以上你一定要寻求救济的几种方式。 One of these ways is to let them know you are thinking of moving to a competitor's credit card because they are offering a lower rate.其中的一个办法是让他们知道您正在考虑转向竞争对手的信用卡，因为它们提供了较低的费率。 They will move promptly to earn your dollars and interest.他们将立即行动起来，赚你的美元和利息。 Let them know how unsatisfied you are about their ability to reduce your percentage rate commensurate with your ability to pay your bill in a timely manner.让他们知道如何满足你对他们的能力，以减少您的比例相称你有能力支付您的帐单及时。 They will probably put you on hold immediately and speak with a manager to get your rate reduced.他们将可能把你搁置立即和说话的经理让您的速度减少。 Don't be afraid to move to another credit card company不要害怕移动到另一张信用卡公司 Some credit card companies will not budge when it comes to reducing your rate: even if you threaten to leave them.一些信用卡公司将不会让步时候降低你的速度：即使你威胁要离开他们。 That is when you look for another credit card that meets your immediate financial needs.这是当你寻找另一张信用卡，可满足您眼前的财务需要。 Shop around to the major credit card companies and seek out the best possible rates.货比三家的主要信用卡公司，并寻求最佳可能的利率。 You can also search on the Internet for sites that give the best credit card ratings.您也可以搜索互联网上的网站，提供最佳的信用卡评级。 This will allow you to make a financial decision that can save you hundreds if not thousands in the long run.这将允许您做出财务决策，可以为您节省数百甚至数千从长远看。 There are a dozen reputable credit card companies in the market who are willing to sign you up to earn your interest.有十几个著名信用卡公司在市场上谁愿意签署您获得您的关注。 These cards will even offer to assume your previous credit card debt to help reduce the interest you are bearing on those accounts.这些卡，甚至会愿意承担您以前的信用卡债务，以帮助减少你的兴趣是影响这些账户。 About The Author作者简介 Jakob Jelling is the founder of http://www.cashbazar.com .雅各布是耶林的创始人http://www.cashbazar.com 。 Visit his website for the latest on personal finance, debt elimination, budgeting, credit cards and real estate.访问他的网站获取最新的个人金融，债务消除，预算编制，信用卡和房地产。
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