Most people are not sure why they do not get lower interest rates when they call and ask! Here are some of the key points that the banks look for when reviewing your account profile. CreditCardNegotiations.com

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• To make sure your payments are on time – If you have any late payments over the last 1-12 months, this can cause you not to get a better interest rate.
• That you’re not over the limit or close to being maxed out on your balance – If you are close to being maxed out on your card, they know they have you as a costumer for a while and you’re not using your card correctly. 
• That you pay more than your minimum payment each month – If you are paying more than your minimum payments and on time each month. There is a good chance something will happen for you.
• The account is over 1 year old – With the new credit card laws out now.  There is no rate change up or down in the first year a new account is opened. Unless if it on a promotion of some kind.