Carrying a CC balance? Guy lowers his APR by 5.75% using my negotiation scripts

Ramit headshot2

Do {you’ve got a} {charge card} balance? {Continue reading} to learn {how exactly to} {decrease your} APR using my {old} scripts for negotiation.

Ramit Sethi

I’ve said it before and I’ll say it again: If you’re carrying a balance {on your own} credit card, {the very first thing} {you need to} do is call your {charge card} and negotiate your APR down. It doesn’t always work, {however when} it does, {it is possible to} save {a huge amount of} money.

I {add a} call script in Chapters 1 and 2 of my book {to get this done}.

Aaron T. writes:

I was {luckily enough} {ahead} out of school {without} {student education loans}, but do have $4364.11 in {personal credit card debt} over 2 cards. One is $999.03 and {another} is 3,365.08. {I simply} started reading your book yesterday, today I called the card with {the bigger} balance {to lessen} my APR from 19.99%. {I’ve} had this card {for nearly} 4 years. My Mom {have been} paying the minimum for {per year} {roughly}, but {since i have} became {regular} I took over {any} bills my parents were paying. {I’ve} paid $200 {the final} {a few months} and my minimum payment {is just about} $89.

Anyways, {I simply} called and asked, (I had {to accomplish} no negotiating really, {I simply} followed the script you have in your book) and {I acquired} my APR lowered from 19.99% to 14.24%, effective immediately.

Basically, the $13.95 my girlfriend {covered} your book will {a lot more than} {purchase} itself by {enough time} I get my next bill.

See {on your own} with full-chapter excerpts of my book.

Then {obtain the} book at Amazon or B&N.

Do {you understand} your earning potential?

Take my earning potential quiz {and obtain} a custom report {predicated on} {your specific} strengths, {and find out} {how to begin} making {extra cash} – in {less than} {one hour}.

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