8 Negotiation Tactics To Help Reduce Your Credit Card Debt 8 Negotiation Tactics To Help Reduce Your Credit Card Debt July 24 Cheap Air Max 95 Online , 2013 | Author: Martin P S Collins | Posted in Business

Chose the best time to call: An easy, yet very effective negotiation tactic is to choose the right time to call the credit card company. If you call them first thing in the morning they will most likely be in a better mood than in the evening after a long day of people trying to get out of their credit card payments.

Let them know you will pay back what you owe: Credit card companies are most concerned about people who try to get out of paying their debts altogether using various dirty negotiation tricks. It is important to stress that you do intend to pay them back, all you need is a bit of help from them. You will be surprised at how positive credit card companies can react to this approach. This is a very simple, yet effective negotiation technique.

Make use of your first time: In case this is the first time you are asking to have a late fee waived or a lower interest rate Cheap Air Max Online , you need to tell the credit card company about it. They will be much more supportive to people who ask for this for the first time, rather than to those who ask every month!

Show them you are a loyal customer: If you've been a long-time customer or a big spender for several years, use this to your advantage. By reminding a company of your loyalty, you'll find that they will be more willing to renegotiate your credit card debt because they don't want to lose your business.

Ask for a lower interest rate: Unknown to many Cheap Nike Air Max 97 Wholesale , credit card interest rates are often negotiable for those with good negotiation skills. If you have had a good payment history, you shouldn't have any problems with requesting for a lower interest rate. Explain that you'll be able to put more money towards paying off your principal balance instead of your interest rate charges.

Have late fees waived: This is a simple, yet very effective bargaining tactic. Late fees, like other fees Cheap Nike Air Max 90 Wholesale , can easily be waived if you pay your bill within a few days of the due date. A solid credit history can be used as leverage, and may be well worth the effort to make that extra phone call.

Ask to skip a payment: When you are in a situation of financial problems that you think you will be able sort out in the near future, you can try to explain this to the credit card company. If you request to miss one or two payments as an exception, many companies are willing to give you this relief. The downside is of course a likely negative impact on your credit report.

Get to the decision maker as fast as possible: A good negotiation tip is to always attempt to speak to the person who can call the shots. Your initial call will likely be handed to a customer service representative Cheap Nike Air Max 95 Wholesale , but you should ask to talk directly to the manager or whoever has the authority to make decisions. Write down the names, titles, contact details and timing for every call you make.

Martin P R Collins is a negotiation expert at Geneva Education who often gives very useful advice in his blogs and articles. Look here to learn his 20 most common negotiation tactics. Or click here for a free negotiation technique on a 90 second YouTube video.

FORTALEZA, Brazil Cheap Nike Air Max Wholesale , June 17 (Xinhua) -- Thanks to a series of impressive saves from their goalkeeper Guillermo Ochoa, a well-organized Mexico held the highly-favored World Cup hosts Brazil 0-0 in the second round Group A match here on Tuesday.

The 28-year-old Ochoa, who was currently a free agent after a three-year spell in French club Ajaccio from 2011-2014, came from nowhere to become the Man of The Match in front of a star-studded Brazilian squad.

Ochoa's first shining point came 25 minutes into the first half. He palmed away a close-range hammer from Brazilian superstar Neymar in the far post with a flying save Cheap Air Max 97 Wholesale , and that decisive save was just a start of a remarkable night for the goalie.

In the 43rd minute Brazil were awarded with a long free-kick. Thiago Silva chested the ball down and Ochoa was left face-to-face with three Brazilian players and the 28-year-old goalie, who played for French club Ajaccio last season, managed to deny Paulinho's chip shot with his right leg and keep the scoreline 0-0.

Paying much attention on their defence line, the Mexicans' first real threat came in the 23rd minute when Hector Herrera's long shot flew high above the bar. Throughout the first half Cheap Air Max 90 Wholesale , the Mexican team, known as "El Tri", only had four shots from outside of the area which all went wide while the hosts were 6% higher in terms of ball possession, with a total of nine shots and six of them on target.

In the second half "El Tri" was more active in their attacking and added four more shots in the first ten minutes after the match resumed. However Cheap Air Max 95 Wholesale , the best opportunities were still created by the Selecao.

In the 68th minute Neymar brought down a cross in the box and lashed it towards the bottom right corner of the gate. And it was Ochoa again that saved the team single-handedly as he blocked the shot with his body.

Seven minutes later, second half substitute Bernard created space for himself between the Mexican midfield and defence, he set up a through ball to Jo, who was also a substitute Cheap Air Max Wholesale , and the latter saw his left foot effort dribble wide.

In the 86th minute, Brazilian skipper Thiago Silva met a freekick from Neymar in the centre of the Mexican penalty area and his thumping header was once again saved by an invincible Ochoa.

"El Tri" could have wrapped-up a victory with a late winner but the powerful shot from Raul Jimenez was kept out by Brazil veteran keeper Julio Cesar.

Mexico have ended Brazil's ten match winning streak, which has been currently the longest worldwide.

Mexico maintained the same line-up they.