As a credit cardholder, many things can trouble your mind. Perhaps you are stuck with a high-interest card, a lower credit limit, or you can’t seem to pay off your unsecured credit card debt. Some people may not be aware, but you can ask your credit card issuer to lighten the burden for you. It is like asking them for a favor. Simply, all you have to do is give your credit card company a call. Here are some of the things you can request from your credit card issuer. Looking for an unsecured credit card? Apply here https://www.newhorizon.org/Info/unsecured.htm

1. Things You Can Request
From Your Credit Card Issuer
BY: www.newhorizon.org

2. As a credit cardholder, many
things can trouble your mind.
Perhaps you are stuck with a
high-interest card, a lower credit
limit, or you can’t seem to pay off
your unsecured credit card debt.

3. Some people may not be
aware, but you can ask your
credit card issuer to lighten the
burden for you. It is like asking
them for a favor. Simply, all
you have to do is give your
credit card company a call.

4. Here are some of the things you can
request from your credit card issuer.

5. Waiving a late payment fee
Did you delay in paying your monthly
balance? Worry not. Your credit card
issuer may waive the negative entry,
but only if you ask them. There is a
good chance that cardholders are
paying fees for late payment without
knowing they can avoid the penalties
with a simple phone call.

6. Lower your interest rate
● If you opted for an unsecured credit cards
for bad credit with no deposit, you are
probably paying high-interest rate. If that
is so, you may feel like the payments you
are making towards your monthly balances
have no effect.
● All the same, you can ask your credit card
issuer to lower your annual percentage
rate (APR). But you have to take the
initiative. With a lower APR, you will save

7. Raising your credit limit
● A higher credit limit can supercharge your spending
power. You can go for that trip or shopping spree
you have been visualizing.
● Keep in mind that asking for a higher credit line
causes a hard inquiry. Your credit score may drop
slightly for a temporary period.
● Also, the credit inquiry can make it hard for you to
obtain a mortgage.
● It is highly likely credit card issuers will turn you
down if your recent balance is huge.

8. Waiving your annual fee
● If the banks are offering an attractive
sign-up bonus, you could open a
credit line to sign up for it.
● The deal can include waiving of the
annual fee for the first year. You
could pay between $25 and $450 in
the annual fee.
● Making that short phone call can save
you a significant amount of money.

9. Switching to a different card
● Maybe you had a job that required you
to travel the world, but now you just
have to work at home.
● So, those rewards from your airline
credit card are not of benefit to you
anymore.
● In that case, you can request the bank
to switch to a different credit card.

10. Being placed on the hardship plan
● If making your monthly payments is
turning to be a challenge because you
are going through a financial difficulty,
you could talk to your card issuer and ask
them to put you on a hardship plan.
● For instance, there are assistance
programs for cards holders going
through a financial struggle.