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How To Negotiate With Credit Card Companies No credit card company loves to lose its customers. So, if you are in deep trouble to pay off your credit card debt, make a call to your credit card company and do your best to convince them by showing your commitment in repaying the loan. Here are some tips on how to negotiate with credit card companies. • First factor to remember when negotiating with credit card companies is to avoid them showing a sad face. Never, try to gain sympathy by showing your poor financial status. They are there to collect their money from you irrespective of your financial status. • Before calling the credit card company, think of a strategy to pay off the debt. Put all the details on a paper and check how far they are feasible. Accordingly, make a rough estimate of interest rates that would best fit your financial status. Discuss the same with the family members and frame a final plan of action. • Now, call the company and request them to reduce the interest rates. The immediate answer will be a no. Instead of accepting the answer, request the representative to transfer your call to higher authorities. • It is time to have a strategic talk with the supervisor. Initially, make a fair request for better interest rates showing your previous record of making timely payments. You can even tell them that you have better credit card offers with low interest rates and are ready to transfer the debt on to those cards. This will motivate most of the companies to negotiate the rates rather than losing the customer. • Some companies do not agree with the negotiations and allow you to transfer for another credit card company. But at the end when you make a request for transfer and to account closure, a representative will give you certain offers. If you find any interesting offer, go with it. • Another interesting option on how to negotiate with credit card companies is through paying a lump-sum amount. Gather a good amount either through a home-equity loan or a personal loan. Now, negotiate with the credit card company giving them the percentage of total balance you are willing to pay in one single payment. This way of negotiating for interest rates works with many credit companies. • Certain credit card companies do not allow negotiations on interest rates. In such cases, you can request them to offer waiver on fees such as annual fees, penalty for late payment and use of money through ATM. Most of the companies accept your offer. Irrespective of the method you follow to negotiate with the credit card company, make sure to have all your deals in written form. Never, rely on oral contracts. If a new supervisor is appointed during your loan period, documents serve as proof of your negotiations. If you are not good at negotiating, take the help of a credit counselor. However, you may have to pay a small fee towards their services. With these simple clues on how to negotiate with credit card companies, dial your credit card company. You will definitely succeed in your attempts.
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Kako pregovarati s kartičnim tvrtkama Ne kreditna kartica tvrtke voli izgubiti svoje klijente. Dakle, ako ste u dubokoj nevolji isplatiti kreditne kartice dug, uputili poziv na kreditne kartice tvrtke i učiniti svoje najbolje kako bi ih uvjerili pokazujući svoj angažman u repaying kredita. Evo nekoliko savjeta o tome kako pregovarati s kartičnim tvrtkama. • Prvi faktor imati na umu kada se pregovara s kreditne kartice tvrtki kako bi se izbjeglo ih prikazuje tužno lice. Nikada, pokušati dobiti naklonost pokazujući svoje loše financijsko stanje. Oni su tu da preuzmu svoj novac od vas bez obzira na vaše financijsko stanje. • Prije nego što pozovete kreditna kartica tvrtke, razmislite o strategiji isplatiti dug. Stavite sve pojedinosti o radu i provjeriti koliko su izvedivo. Prema tome, napraviti grubu procjenu kamatnih stopa koja bi najbolje odgovarao svoje financijsko stanje. Raspravljajte o istom s članovima obitelji i uokviriti konačni plan djelovanja. • Sada, nazovite tvrtku i zatražiti ih da smanje kamatne stope. Neposredni odgovor će biti ne. Umjesto prihvaćanja odgovor, zahtjev predstavnika za prijenos Vaš poziv na višim vlastima. • Vrijeme je da se strateški razgovor s nadređenom. U početku, napraviti pošteno zahtjev za bolje kamatne stope pokazuju svoj prethodni rekord izrade pravovremene isplate. Možete ih čak reći da imate bolje ponude kreditne kartice s niskim kamatnim stopama i da su spremni za prijenos duga na tim karticama. To će motivirati većina tvrtki pregovarati stope umjesto gubljenja kupca. • Neke tvrtke ne slaže s pregovorima i dopustiti vam da prijenos u drugu tvrtku kreditne kartice. Ali na kraju kada se napravi zahtjev za prijenos i zatvaranje računa, predstavnik će vam dati neke ponude. Ako vam bilo zanimljivo ponudu, ići s njim. • Još jedna zanimljiva mogućnost o tome kako pregovarati s kreditne kartice tvrtke je kroz plaćati paušalni iznos iznos. Skupi dobar iznos ili kroz home-kapital kredit ili osobni zajam. Sada, pregovarati s kreditna kartica tvrtke dajući im postotak ukupne bilance, koju ste spremni platiti jednu uplatu. Ovaj način pregovora za kamatne stope radi s mnogim kreditnih tvrtki. • Određena kreditna kartica tvrtke ne dopuštaju pregovore o kamatnim stopama. U takvim slučajevima, možete zatražiti da ih nude odricanje o naknadama, kao što su godišnje naknade, kazna za kasno plaćanje i korištenje novca putem bankomata. Većina tvrtki prihvatiti ponudu. Neovisno o načinu koji slijede pregovarati s kreditnom karticom tvrtke, pobrinite se da imate sve svoje ponude u pisanom obliku. Nikada, oslanjaju se na usmenim ugovorima. Ako novi supervizor imenuje se za vrijeme trajanja zajma, dokumenti služe kao dokaz svojih pregovora. Ako niste dobri u pregovorima, uzeti pomoć kreditne savjetnika. Međutim, možda ćete morati platiti malu naknadu prema njihovim uslugama. Uz ove jednostavne tragove o tome kako pregovarati s kreditne kartice tvrtki, birajte svoju tvrtku kreditne kartice. Vi ćete svakako uspjeti u svojim nastojanjima.