Do you ever struggle to pay your credit card bill on time? For some people, it’s not that they don’t have the money to pay the bill. The problem is the timing. Their credit card payment is due at the same time as a lot of other expenses. If you’ve ever been in this situation, it might be worth a quick call to your credit card company to negotiate a new due date for your credit card bill. read more..

If one of your goals for the New Year is to save money on your credit card bills, you might be able to do it even without a balance transfer. You could negotiate better rates and fees instead. Don’t wait for better opportunities or credit card offers to come your way. Improve your existing credit card offers today! read more..

There are any number of reasons why your current credit limit on your credit card is too low–maybe your bank is starting people with low limits because of a down economy, or maybe you first applied for your credit card when you didn’t have your currently-improved credit file. Did you know you can get a higher credit limit? read more..

Credit card companies (and the banks issuing the cards) are in business. You’re a customer. They want you to be their customer. Now what are they going to do about it?

Consumers sometimes forget that they do have a say in their credit card terms. They can accept, reject, or negotiate any offer. If they’re unhappy later, they can even jump ship. No matter what shape the economy is in on any given day, credit card companies are always competing with each other for your business. You can use that fact to your advantage by pitting the banks and their offers against each other to get the best deal possible. But how? read more..

You have credit card debt. Maybe you even have so much credit card debt that you feel like you’re drowning in it. You’re paying late. Your credit card company is contacting you demanding payment. Maybe you’re even avoiding them or ignoring them, because you don’t know how to handle the situation. Or perhaps you’re not in a lot of credit card debt, but you’re sick of your less-than-ideal terms when you know you could be getting a better deal. read more..