5. Practice, practice and practice some more with your script until you are completely and totally used to it. Once you are, contact company. Read your script and see what happens.

6. If you get a hard nose customer service representative then don’t threaten her. Be agreeable and ask to speak to his/her supervisor. If that is not possible, be nice to her and try again she may have some leeway. If you like your present company, you can even try negotiating interest rates, annual and even those yucky late fees.

7. However, if you’re fed up, have an alternative company in wings, and your current company won’t budge with their rates then be willing to take your business elsewhere. After all, you hold power so don’t be afraid to use it! They key however is to not bluff but to follow through with your threat. Close account, ask for them to send you notification in mail, cancel credit card and use another card.

In conclusion, you can be successful with negotiating process if you follow above mentioned tips. If your current company is unwilling to cooperate then you should simply take your business elsewhere. You’re better off with another credit card company that values your savvy negotiating skills!