Managing your credit card effectively can help you save money, improve your credit score and your financial standing. It’s always beneficial to ask your credit card issuer of any hidden charges or discounts that you can qualify for and other details about your account.

In order to remain afloat in a highly competitive market, credit companies are willing to offer a range of benefits, rebates and rewards to any business. While they’ll go the extra mile to give you an incredible customer experience, it doesn’t hurt to be selective when it comes to choosing a credit card company. Choosing the wrong company or using the credit card in the wrong way will land you in a debt blob.

Before you choose a credit card issuer, it’s a good idea to clear your mind off any doubts. Here are some important questions that you can ask your credit card issuer:

Will You Forgive A Late Payment?

Paying on time should be a priority—without a doubt. There are times when you can’t meet your deadline. Knowing that the credit card company won’t give you a hard time if you miss a deadline rarely will reduce a lot of your anxiety in an already stressful situation.

When you’re signing your credit card application, ask the issuer how flexible they are with payment deadlines. Granted that your payments have been on time previously, there are chances that the issuer will remove the late payment fee once in a while.

Can I Choose My Due Date?

One of the best ways not to miss your payment deadlines is to schedule it at your convenience. When the credit card company lets you choose your payment due dates every month, you can manage your cash flow better—at a time of the month when your budget isn’t constrained.

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Ask your credit company if you can choose a due date for yourself as opposed to the issuer scheduling it for you. This will not only help you in meeting all your payment deadlines, but it’ll also keep you on track with your overall finances.

Will You Decrease My Interest Rates?

This is where your negotiation skills need to take charge. If you know that you’ve been a good customer and are carrying a balance, you can consider asking your credit card company to lower your interest rates.

Moreover, if you start receiving premier card offers in your mail, it means that your credit card score has gone up. At this point, you can let your issuer know the offers you’ve been receiving and negotiate to see if they’ll match it.

At Masters Credit Consultants, we provide reliable credit restoration and repair services to help our clients increase and maintain their credit score and stay out of debt.

Our credit repair specialist in Miami will evaluate your financial standing and provide you the best solutions to improve your credit score.

To get to know more about our services, you can call us at 1-844-620-8796 or email at