Credit repair - How To Pay Lower Credit Card Interest Rates

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How To Pay Lower Credit Card Interest Rates


If you are the proud or not so proud owner of credit cards, you’ve probably seen the light bulb go off as soon as you saw the promised rate of 8.9% jump to 27.4%!  This is why Americans are up to their necks in credit card debt! 

How can that be?  Your credit score will determine what rates you qualify for.  And in the fine print of your credit card company under the “terms and agreement”, is the “Universal Default Penalty” which allows them to increase your interest rates.

Most credit card companies will take advantage of you if are perceived as a delinquent or high-risk borrower.  Think of it this way, would you lend to someone you knew would not pay you back? 

The credit card companies take it much further and charge you enormous interest rates to have the “privilege” to use their cards and if they uncover any of the six changes below in your credit report: 

1.      Any late payments on your account.  Even if it’s only one.

2.      If you go over your available credit line.  Even if many zero percent interest credit card issuers let you; they still raise your interest.

3.      Your score declines.  Even one late payment hurts your score.  Experian reports that people with no late or missed payments in the last year had an average score of 759, but consumers with one or more late payments had an average score of only 598.

4.      If you charge up too much on one account or many 0 % interest credit card offers, you could pay extra for the privilege.  The amount you owe on a credit line compared to your available credit is termed the “proportional amount owed”.  Let’s say you have a credit card limit of $5,000, your score will be higher if you owed less than $2,500.  Better yet is to owe less than one-third of the available credit, or less than $1,501.  Owing less than ten percent of the available balance gives you the best possible rating.  On the other hand, owing over $4,500 on an account with a limit of $5,000 will decreaseyour score substantially, especially if you have too many credit card balances and other loans with high balances compared to available balances.

5.      Your charges show a high debt-to-income ratio.  If your credit card company sees many charge activities, they will think that you are getting in over your head.  This will cause them to raise your interest rate.  Even if you are a new home owner making home purchases all in a single month, your rates can be raised.

6.      If you open new accounts.  The credit card company term this “too many consumer accounts” and will once again take advantage of your situation and raise your interest rate, which in turn will lower your credit score


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