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Negotiation Tactics To Help Reduce Your Credit Card Debt 8 Negotiation Tactics To Help Reduce Your Credit Card Debt July 24 Wholesale Green Bay Packers Jerseys , 2013 | Author: Martin P S Collins | Posted in Business
Chose the best time to call: An easy, yet very effective negotiation tactic is to choose the right time to call the credit card company. If you call them first thing in the morning they will most likely be in a better mood than in the evening after a long day of people trying to get out of their credit card payments.


Let them know you will pay back what you owe: Credit card companies are most concerned about people who try to get out of paying their debts altogether using various dirty negotiation tricks. It is important to stress that you do intend to pay them back, all you need is a bit of help from them. You will be surprised at how positive credit card companies can react to this approach. This is a very simple, yet effective negotiation technique.


Make use of your first time: In case this is the first time you are asking to have a late fee waived or a lower interest rate Wholesale Detroit Lions Jerseys , you need to tell the credit card company about it. They will be much more supportive to people who ask for this for the first time, rather than to those who ask every month!


Show them you are a loyal customer: If you’ve been a long-time customer or a big spender for several years, use this to your advantage. By reminding a company of your loyalty, you’ll find that they will be more willing to renegotiate your credit card debt because they don’t want to lose your business.


Ask for a lower interest rate: Unknown to many Wholesale Denver Broncos Jerseys , credit card interest rates are often negotiable for those with good negotiation skills. If you have had a good payment history, you shouldn’t have any problems with requesting for a lower interest rate. Explain that you’ll be able to put more money towards paying off your principal balance instead of your interest rate charges.


Have late fees waived: This is a simple, yet very effective bargaining tactic. Late fees, like other fees Wholesale Dallas Cowboys Jerseys , can easily be waived if you pay your bill within a few days of the due date. A solid credit history can be used as leverage, and may be well worth the effort to make that extra phone call.


Ask to skip a payment: When you are in a situation of financial problems that you think you will be able sort out in the near future, you can try to explain this to the credit card company. If you request to miss one or two payments as an exception, many companies are willing to give you this relief. The downside is of course a likely negative impact on your credit report.


Get to the decision maker as fast as possible: A good negotiation tip is to always attempt to speak to the person who can call the shots. Your initial call will likely be handed to a customer service representative Wholesale Cleveland Browns Jerseys , but you should ask to talk directly to the manager or whoever has the authority to make decisions. Write down the names, titles, contact details and timing for every call you make.


Martin P R Collins is a negotiation expert at Geneva Education who often gives very useful advice in his blogs and articles. Look here to learn his 20 most common negotiation tactics. Or click here for a free negotiation technique on a 90 second YouTube video.


Each morning as I drive to work I flick the radio on and am drawn into listening to music that DJ’s inform me is ‘the next big thing’ or ‘the best thing out this year ‘and yet most of the time I’m listening to one music that follows a tune that sounded nearly the same as the last. So the place has the musicianship gone in today’s music business?


One band that appears to stand apart from the rest is Muse. UK born and bred the band had lowly beginnings and performed the pub circuit, evolving their sound and developing what they would become. The end result was a rock band that experiment with sound and allow the listener to be completely swept up within the music they produce.


Maybe this is down to lead singer and electric guitarist Wholesale Cincinnati Bengals Jerseys , Matt Bellamy’s classical music training. It seems that many artists these days don’t have a history steeped in music, many can’t play instruments and even more now hope to hit the big time through shows such as The Xfactor, rather than placing the hard work in to study their trade first.


After all it will be unfair to put all artists into the same boat as there have been some amazing bands and artists in current years. Nobody could fault the rise of Adele who has been singing because the age of 4, went to varsity to study her artwork and really had ambitions of launching other peoples careers before being discovered after creating an ep and posting it on Myspace. Even someone like Avril Lavigne has some musical talent. She began singing at the age of 2 in church and went from there to writing songs Wholesale Chicago Bears Jerseys , performing on stage at 15 with Shania Twain and then getting signed.