Should you give your kids access to your credit card?

A national survey found that when credit card holders asked for a lower interest rate or wanted late fees waived, they often got exactly what they wanted. "About 80 percent of people who asked to have an annual fee waived or lowered got it". 87% of credit cardholders who asked for a late fee waiver were successful and 69% who requested a lower interest rate received one, according to a new CreditCards.com report.

"You certainly wouldn't get a late fee waived every time you ask for it, and certainly not if it's your third or fourth time in the last couple of years", Creditcards.com's Matt Shultz told WTOP.

In fact, almost 9 in 10 cardholders (89%) received a higher credit limit when they asked their credit card issuer. Older millennials were actually more likely to ask for a higher limit overall, as well as receive one.

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He said if you are facing issues with your chip card when you pay to "take the time, call the 1-800 number on the back of your card and get that replaced as soon as you can".

Interest rates are now at their highest point since CreditCards.com began tracking rates in mid-2007. So that's an 82% success rate.

"People would be stunned at how successful you could be at these requests". The worst thing the issuer can say is "no", and a short phone call could end up saving you hundreds of dollars.

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"The credit card companies are willing to deal and negotiate because it's such a competitive marketplace", said Schulz.

You can find more information about the report here. However, if you have a bill well into the thousands or your tax bill is pushing the maximum credit limit on your card, your credit score will be affected because your credit utilization ratio will rise.

So far, American Express, U.S. Bank and several regional banks have also matched the Fed's rate change.

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Here's my take on the Raiders, and a certain other National Football League team that knows exactly what it's doing to its fans. Foster also had 124 combined tackles, one sack, and three defended passes. "They simply want to keep the team in Buffalo".

(Copyright © 2015. All Rights Reserved.)
 
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