Check to trade more cheaply without your credit card

Announcement

Negotiating lower legal fees on your credit card is essential to reduce costs and maintain balanced finances. By making sure you feel satisfied, with preparation and strategy you can obtain the most advantageous conditions right now from the administrator. To follow, a practical step by step to conduct this negotiation effectively.

1. Enter or impact legal taxes

Before anyone counted at the counter, you know exactly how the juros share his share:

Juros rotativos: applied when you pay less than the total invoice.
Taxa mediá praticada: check no contract which is a monthly taxa and calcule or annual customer.
Total Effective Price (CET): English law, IOF and tariffs — it is the real value that you pay by credit.

The above numbers show the attendant that you are well informed and well informed.

2. Maintain an accurate payment history

Good connection with the bank by checking your credit score:

Pague sempre em diaAny delays or parcels of invoice damage your reputation.
Moderate use or credit: keep using the 30% below the total limit.
Varie as formas de crédito: ter empréstimos or financings quitados no przo refortça su confiabilidad.

How much better is the history, more power to negotiate now.

3. Check out the competitive offers

The competition between banks is its ally:

Consult legal fees on other cards on comparison sites.
Note promotional offers from new customers (for example, 1% am versus your current 12% am).
Use these suggestions as an argument: "O Banco“

Shows that you know the market and are willing to migrate if better conditions do not provide.

4. Prepare data and documents for trading

Here is the information you are looking for:

Copy of two latest bills (paid daily).
Extras that prove constant gastos and punctuality.
Written proposals from other counters (application printouts or e-mail).
Your current credit score (Serasa, SPC).

Remove concrete data for more objective and professional trading.

5. Contate o canal adequado

To increase your chances of success, go to the generic SAC:

Gerente de relacionamento: If you already have current accounts or investments, contact your manager to obtain personalized assistance.
Ouvidoria: in case of negative, go to the counter overdraft within the legal price (up to 60 days from the initial complaint).
Chat and apps: some counters allow direct trading via the application, with specific menus for legal offers.

Seja educado, mas signatures ao expor seus argumentsos.

6. Consider the balance transfer

New cards we can offer promotional price of 0% or at least for a period. Avalie:

Taxa de transferência: normally from 2% to 4% above the transfer value.
Duração da promoção: 3 to 12 legal months reduced.
Juros pós-período: pay attention to the contracted value after the price of the offer.

Faça simulações: weight or cost of the price against the economics of juros naquele przo.

7. Expand negotiation for other benefits

Além de juros, negocie:

Reduction or absence of dryness
Seamless payment of invoices
Special emergency conditions
Access to bonus programs or cashback at your convenience

Many times the administrator prefers to offer extra benefits to drastically reduce the legal tax.

8. Seja persistent and follow the result

Note date, time, name of attendant and protocol number.
If a basic proposal, request formalization by email or paper.
Please look for confirmation and validity on your next bill.
In the event of a recuse, return after 30 days for a new attempt, citing the previous conversation.

A repetition, combined with good arguments, may lead to resistance from the counter.

Conclusion

Negotiating more money on the credit card requires research, preparation and perseverance. With a daily payment history, market information and solid arguments, it shows the dealer that he is a valued customer and decides to stay with the institution only if he receives competitive conditions. Please document each account and accompany your bill to verify the success of the negotiation.