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Lower Your Credit Card’s Interest Rate – Here’s How
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Credit cards are some of the most robust financial instruments you can have. They allow you the flexibility to make purchases, get cashbacks, rewards points, and frequent-flyer miles. Credit cards also allow you to grow your credit limit and pay without interest during the grace period.
Conversely, late repayment leads to high interest rates, with some Annual Percentage Rates (APRs) as high as 30%. So, repay your balance in full each month to avoid incurring any interest. But if you cannot, this article will show you how to get lower interest rates.
Assess your Credit Health
You can only negotiate for a better APR when you fully understand your credit health. Credit health/score is a significant component of your credit. Log into your bank account or contact the bank to find out your current score and find a way to boost it. The higher your credit score is, the better the APR you can get from your credit card issuer. Lenders instinctively offer a higher APR to customers with a low income, lower credit score, or higher credit balances due to the higher risk of default.
You can improve your credit health by making on-time payments and clearing outstanding debts. Moreover, use your credit card regularly to pay rent, utility bills, online purchases, or make deposits at online casinos accepting credit cards but avoid maxing out your card. Positive card activities can help build a good credit score.
Then get all the facts right about your finances. You should know everything about your income, expenses, total assets, liabilities, and other financial details.
Talk to Your Lender
Once you have all the details, the second step is to talk to your lender. You can simply ask them to lower your credit limit. In some cases, it is just that easy and does not have to involve so many hoops and jumps. A low APR can be any interest rate of 10% and below.
Share Your Financial History
Tell the credit card lender about your financial situation based on the facts you have collected in the first step. Try to inform them of your good credit history or if your credit score improved recently since the credit rating is done yearly. Make a respectful case regarding rival company offers you’ve received and any financial hardships you are facing. If the lender cannot match the competitor’s offerings, they consider providing you with other perks instead of the interest rate, such as bonuses or a waived annual fee.
Call Again
Negotiations may be tense, so do not be discouraged if the sales representative won’t budge. You can call later and talk to a different representative or politely request to talk to a supervisor.
Suggest Closing Your Accounts
If all options fail, you can consider closing your accounts. However, this option carries a lot of consequences since you will have to clear your current credit bills before closing your account. This option may not work when you have crippling credit card debt.
Consider a Credit Transfer
Sometimes, negotiating with your current lender won’t yield meaningful results. In this case, you may consider moving your outstanding debt from one or more credit cards onto a new card, ideally with a lower interest rate. Compare various credit companies including Visa and MasterCard to get the best low APR. However, you must pay a transfer fee ranging from 4 to 5% of the credit you are transferring.
Fortunately, most lenders offer 0% introductory APRs on balance transfers for a set introductory period, which may vary between 6 and 21 months. The added time can help you clear your debt at a lower interest rate and improve your credit score, which prequalifies you for even lower interest rates. Balance transfers typically cannot happen within the same bank/lender.
Footnote:
- Courtesy to Kevin Roberts.
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Win tickets to the BLAST Premier Fall Final: GG.BET is running a MEGA BLAST Competition for fans of СS2
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From 26 July, all GG.BET users can get involved in the new MEGA BLAST Competition with a €10,000 prize fund. The winner will receive two tickets to the BLAST Premier Fall Final CS2 tournament, taking place from 27-29 September in Copenhagen. To enter, you need to place bets on Counter-Strike 2 matches.
BLAST Premier Fall is a major series of Counter-Strike 2 tournaments which draws in millions of viewers from all over the world every year. The series consists of three stages: Groups, Showdown, and Finals. The Groups stage sees 16 Tier-1 teams duke it out. Only 6 of these can go on to compete in the final, while the rest will battle it out in the Fall Showdown for two additional spots in the final. BLAST Premier Fall Finals will be the concluding stage of the Fall series, and fans can look forward to electrifying action, heart-stopping twists and turns, and an epic $425,000 prize fund.
From 26 July to 4 August, as the Groups stage rages on, GG.BET will be holding its MEGA BLAST Competition. The winner will get their hands on two tickets to attend every day of the BLAST Premier Fall Finals. As well as these tickets, the bookmaker is also giving away a whopping €10,000 prize fund to the top 40 participants in the MEGA BLAST Competition.
How to take part in the MEGA BLAST Competition:
- Register an account with GG.BET or log in to an existing account.
- Go to the tournament page and press “Participate”.
- Place bets on Counter-Strike 2 matches. Every bet you place will earn you a certain number of points, based on the odds.
- Rack up points, keep an eye on the leaderboard, and wait for your winnings to roll in.
Bet on your favorites and get ready for some unforgettable fun! Head over to GG.BET right now so you don’t miss your chance to enjoy a festival of Counter-Strike action in Copenhagen.
Latest News
MANCHESTER CITY TO MARK GLOBAL PARTNERSHIP WITH SUPER GROUP-OWNED BETWAY AT THE NEW YORK STOCK EXCHANGE
![](https://europeangaming.eu/portal/wp-content/uploads/2024/07/mcyjksadljoisajdasndkl.jpg)
Manchester City has today announced a new multi-year partnership with leading global online betting and gaming brand, Betway.
As part of the club’s pre-season tour of the United States, and to mark this significant deal, leading figures from Manchester City and Super Group will be on-site for the iconic NYSE bell-ringing ceremony later today. Ferran Soriano, CEO of City Football Group, along with Neal Menashe, Super Group CEO, will ring The Opening Bell at 9:30am EDT.
The agreement will see Betway become the club’s Official Global Betting Partner from the start of the 2024/25 season, as Manchester City joins the brand’s extensive sports sponsorship portfolio which includes teams from across the Premier League, La Liga, NBA and more.
Ferran Soriano, City Football Group CEO, said: “We are pleased to announce Betway as our Official Global Betting Partner today. As a globally recognised brand, Betway has a strong pedigree and history of working with high-profile brands within the sports space and we’re excited to work together throughout the partnership.”
Super Group CEO, Neal Menashe, commented: “We are absolutely delighted to become Manchester City’s Official Global Betting Partner. This agreement cements our place in the top tier of Premier League partners, ensuring that our Betway brand reaches fans in all corners of the globe.”
Throughout the duration of the partnership, Manchester City and Betway will collaborate on a number of activations and exclusive content opportunities, in addition to the brand featuring across digital and in-stadia assets.
Manchester City and Betway will also work together to provide all players, coaches, management and staff in-depth, industry leading training on all relevant codes of conduct relating to betting integrity and responsible gambling. This is in addition to the work Manchester City already does to support players and staff in this area.
The Opening Bell ceremony can be viewed live.
Compliance Updates
Acquiring a Curacao Online Gaming License in 2024: Comprehensive Analysis of Financial & Procedural Aspects with Costs & Timelines Detailed
![](https://europeangaming.eu/portal/wp-content/uploads/2024/07/curacaduioapdj.jpg)
The “Acquiring a Curacao Online Gaming License, 2024: Comprehensive Analysis of Financial & Procedural Aspects with Costs & Timelines Detailed” report has been added to ResearchAndMarkets.com’s offering.
This report includes valuable insights into the financial and procedural aspects, including detailed information on costs and timelines associated with acquiring a Curacao license.
In 2023, Curacao introduced the “Landsverordening op de kansspelen” (Ordinance on Games of Chance) to modernize and regulate gambling legislation. Since March 2020, the Gambling Control Board (GCB) has been authorized to regulate offshore gambling games and oversee the issuance of Curacao licenses. As of 2023, there are 16 companies providing legal services for registration and licensing in the territory of Curacao. The license fee, as per GCB regulations, is 36,000 ANG or 19,800 USD, payable upon license issuance.
Research Timeline and Data Relevance
The research was conducted in two stages. The first stage, studying the regulator and Open Data Search, took place in December 2023. The second stage, writing the report and partially updating the data from the first stage, took place from the end of April to the end of May 2024.
Goals and Objectives
- Describe the information about the Curacao license and the issuing regulator.
- Describe the requirements and conditions for obtaining a Curacao license.
- Describe the costs and timelines for obtaining a Curacao license.
- Briefly study the market, find and suggest the following lists:
- Legal companies offering services for company registration and obtaining a Curacao license;
- Communication agents and integrators working with the Curacao license;
- Suppliers and vendors working with the Curacao license;
- Payment systems working with the Curacao license.
Key Topics Covered:
1. Goals and Objectives
2. Research Timeline and Data Relevance
- Document Markup
- Raw and Combined Data
- Terms & Glossary
3. General Information
- The Regulator
- Registration of Operators With Sublicense
- Application for an Online Gaming License
4. Requirements and Conditions for Obtaining a License
License Conditions
- General Prohibitions
- Safe and Secure Environment
- Equipment and Application Software
- Player Registration
- Payment Transactions
- Games
- Terms of Use
- Resolution of Complaints
- Administrative Responsibilities
- Publicly Available Information
- Reports
- Policies and Procedures
- Suspension and Revocation of License
- Additional Conditions
- Supervision
Recommendations or Minimum Requirements for the Business Plan
5. The Cost of the License
6. Decision Term and the Validity of the License
7. Application Method and Forms
8. Contact Information
9. Companies for Registration and Licensing
10. Integration Companies
11. Suppliers and Vendors
12. Payment Systems
13. META
14. Appendix: Terms & Glossary
For more information about this report visit researchandmarkets.com/r/izeo6g
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