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10 Dentist Secrets

Dentist secrets

Do you really need a checkup every six months? Maybe not.

    #3 Call Your Lenders

    If those 0% offers aren't exactly flooding your mailbox, try asking your lender to lower your rate. No, it probably won't drop to zero percent, but it could very well drop a few percentage points. According to a US PIRG study, 56% of consumers who called their credit card company lowered their APR within five minutes.  Those who were successful reduced their APR from an average of 16% to 10.5%. 

    If the customer service representative refuses to lower your rate, Bilker says, ask to speak to a supervisor and threaten to transfer your balance to another credit card.  Just keep in mind, if you've been a chronic late payer or have asked for this favor previously, you may need to do exactly that.

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