How to Use Your FICO Score to Negotiate Better Interest Rates

A higher FICO score should earn you lower interest rates

You may be able to ask for lower interest rates on your credit card

Step 1:

Research competitor's rates before you negotiate

Step 2:

Call your credit card and tell them you want a lower rate

Step 3:

Be persistent and ask to speak to a supervisor or call back if needed

Step 4:

Look for balance transfer options and take your business elsewhere if your request is denied

Pro tip:

Use StellarFi to build your FICO score and negotiate interest rates. You can save hundreds of dollars!