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5 Credit Card Terms You Can Renegotiate

After Building Your Credit, Renegotiate for Better Terms

MathEstablishing and building business credit is not as easy as it used to be, and for many entrepreneurs, it can be all-too-easy to become complacent in their credit standing. But, if you have been paying your credit card bills on time and you have a history of excellent credit management, then you may have more negotiating power than you realize.

It is time to start using that power to save money. Here are five credit card terms that you may be able to renegotiate.

Annual Fees

Most business credit cards carry high annual fees that can add up over time. But, the thing is, credit card issuers do not have to charge you those fees if they don’t want to. Now that you have established yourself and your business as being creditworthy, request your credit card issuer to waive your annual fees.

On a side note, this usually works best with traditional non-reward credit cards, not high-end or airline cards that tend to offer special services and benefits.

Late Fees

Accidents happen, and sometimes all it takes is for a busy mail delivery day for your payment to show up a day late. When this occurs, your credit card issuer will charge you a late fee. But, if you have a long history of paying on time, then there is a good chance that your credit card issuer will remove the late if you call to request it.

In fact, many credit card issuers allow one late fee to be removed per year; all you have to do is call and ask.

Credit Limit Increase

Building a strong credit history with your credit card company will enable you to qualify for occasional credit limit increases that can go a long way toward helping improve your business credit score. The key to this working is to request a credit line increase without changing the way you currently use your credit card. The higher your available balance ratio, the better your credit is going to be.

Better Rewards

If you have proven to be a good card user over an extensive period of time, you might be able to convince your card issuer to upgrade your rewards package to one that is better suited to your credit card purchasing habits.

Due Date Change

Requesting a change in due dates is something that anybody can do, not just those with excellent credit. After all, credit card issuers want to ensure that you are able to make your payments, so if that means changing your due date from the first to the fifteenth, when you have more cash flow, then odds are they will comply with the request.

Keep in mind, however, that not all business credit cards have set due dates per month, so if yours is one that has fluctuating due dates, then this may not work.

Photo Credit: mehmetdeveci, Flickr. 

Dave Donovan


Dave Donovan has written extensively for the web with a primary focus on articles targeting finance and business.