If your the kind of person who really needs a lot of third party validation, just gripe about how evil the credit card companies are.  Everyone will agree with you.  Next to neo-Nazis and that Sham-Wow dude, there are few other people held in such low regard as those who run credit card companies.  If the card folks aren’t the living embodiment of Satan, they are certainly on good terms with ol’ scratch.

The federal government has initiated a run of rule changes that will kick in next year with respect to the way credit card companies can pound on consumers.  That might be good news down the road, but until those changes become the law of the land, it appears as though those bastards holed up in Dover, Delaware, offices are hellbent on screwing the average credit card-carrying American as much as they possibly can.

That’s not a very nice thing to do in a recession, is it?

Think about something for a moment, though…  The recession that’s making it tougher for so many people to send off those monthly CC payments is also affecting th ecompanies themselves.  In other words, they’re bleeding money like there’s no tommorrow, too.

What does that mean to you?  It means that those devilish lenders may be ready to cut you deal.  They need to find a way to creep back into the black, and that means they’re primed to do a little negotiating.

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The perfect example is trying to get teh credit car issuer to drop the interest you’re paying.  If you’ve found a way to make your payments on time for a while, you’re in a fairly decent position to bargain for a rate cut.

This guy reports getting cuts from just about anyone who’ll talk with him.  His strategy involves making a phone call, getting a supervisor on the horn, and asking for a lower rate.  It works.

The same logic applies to slightly more dramatic situations, too.  Did you miss a few payments because of some unforeseen situation?  If so, try to cut a deal.  The card isssuer won’t do it to make you feel happy.  He’ll do it to keep your business and because he recognizes that the odds of complete repayment will increase with terms you can actually meet on a month in/month out basis.

The bottom line is that the card company wants you to keep sending those payments in.  They know that if you file for bankruptcy, you’ll probably go with a Chapter 7, which would probably result in a complete discharge of that unsecured credit card debt.

The upside to all of this is that there’s no serious risk involved.  We’re talking about one phone call.  That’s it.

Those little princes of darkness are more than happy to try  to wring every last penny out of your handbag in reaction to the economic slowdown.  What’s good for the goose, however, really is good for the gander.

Listen like a goose here.  You’re probably paying too much on yourdit card.  Start paying less.  How?  Ask.  You’d be surprised how happy the big compaies are willing to negotiate.

Bonus Note:

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Don’t bother trying to get a deal from the person who answers the phone when you call the CC company.Tthat first line of telephonic defence isn’t going to help you out.  You need to ask for the supervisor.  Ge the squeaky wheel.