A credit card with high interest rate is bleeding you white, and you find that there are other credit card offers with significantly lower interest rates. You simply want your credit card company to lower the interest rates, but how to approach them? Here is a 3 step proactive approach that will solve this problem.Step 1: Get a clear picture of the interest rates you are currently payingIf you have only one credit card, it won't be difficult. But, having a pocket full of credit card will take a little effort on your part to tabulate corresponding interest rates. Mark the credit cards which cost you a lot in terms of APR and other fees. Also, note which one of your low interest rate credit cards allow balance transfers. Note down the contact information of every credit card you hold and move to the next step in the process. Step 2: Contact the credit card agency to lower the interest ratesAs the second step, call the high interest rate credit card provider and tell them, how good your relations are with the credit card company, you have been their customer for so long, have been prompt on repayments and the credit rating is also good ( don't make false claims, only tell what is correct, since the credit card companies will have all the details and can verify anytime.) so, they should lower the interest rate on their credit card. As, a small leverage you can tell them that a credit card with the same rewards and offers are providing a low interest rates and it would be better if the currently high interest charging credit card matches the rate. Ok, now you have done your part and its the turn of credit card company to move things now. If you have a good reputation with them, they will certainly like to keep you as their client. If, they offer a new low rate, make sure that it is permanent not temporary and get the offer of lower interest rate documented. If for some reason, the credit card company doesn't heed to your request, there is nothing to worry. Move on to step three.Step 3: Transfer the balances if they don'tRemember, in step 1 we talked about keeping account of credit cards with low interest rates, which allow balance transfer, they come into picture here. If you have such cards, contact their issuing agencies and ask them about balance transfer fees and other charges and are they willing to transfer balances from your existing high interest rate credit card. If you don't have any such low interest rate credit card, which offers balance transfer, by all means search for one that provides attractive balance transfer rates and a 0% Intro APR for the longest period. This will keep the interest rates on the lower side. Now, transfer your high interest rate balances to this credit card, and close the high interest credit card account. The money you will save on interest rates can be used for other things to improve your financial condition.Remember, proactivity always pays, credit card companies don't lower interest rates on their own. They have to be told to do so, and if you have valid reasons and good credit history to support you, you can always get a bargain, otherwise there is always the option of balance transfer.
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Considered a vital link in a show's promotional plan, direct marketing is vital only if it's done right. It's certainly not as simple as typing a letter, adding an address and stamp, and popping it in the mail. Direct marketing specialist Debbie Bermont, president of San Diego-based Source Communications, offers her golden rules for creating that vital, highly successful direct marketing campaign. There are some key golden rules to making your direct mailings work effectively. That doesn't mean that you have to spend more money in order to succeed. Far from it. In fact, you could find yourself spending less -- or at least spending more strategically -- than you may be doing at present. Here's how: Mail to Mr. Right There's a simple but very clear distinction between junk mail and direct mail. Junk mail is mail that isn't wanted. Direct mail is something that goes to the right person and is wanted. One major key to the success of your direct mailing is to find the right people to mail to. If you are working on a follow-up show, then targeting the people who signed up last year would be a good place to start. If it's a new show or a new list, your first job is to start with a research phone call to find out who that right person is. Even if you're using last year's list, it is still worth a telephone call to check that your information is up to date. Don't ever rely on anyone passing your mailer on -- it just won't happen. Boost Your Letter Once you've found out who to send your letter to, your next step is to make sure that your letter works to its maximum effect. Write it as a one-on-one dialogue. Beware of using industry lingo that your prospect may not understand. Keep your paragraphs short and sweet -- no more than seven lines. Break up your letter into clearly defined subheads. And keep it to two pages in length. Make All Your Copy Benefit-Oriented List the benefits so they are easy to understand. And remember that a benefit is a lot different than a feature. Features do not have the clout that benefits do. For example, stating that '10,000 people attended our show last year' is merely a feature. Write it in the context of a benefit: 'You can have the opportunity of making 10,000 qualified contacts in three days,' and you'll start making the impact that you want. Repeat your offer at least three times throughout your letter: in your headline, within the first two paragraphs, and again in your closing paragraph. You can also include it in a 'p.s.' Last, but not least, tell your prospects what the next step is and tell them to do it today. Also include details of where to go for more information. Your goal should be for the recipients to immediately respond to your letter in a positive way. Make an Impact Your mail piece must stick out from all the rest. Yours will not be the only piece of direct mail that lands on your prospects' desks today. The more you can do to catch their attention, peak their curiosity, and urge them to open the packet, the better. One particularly effective way of doing this is to make your packet lumpy. For example, you can include Post-it notes or candy (but never candy that could melt!). Make it even more appealing by relating your insert to your offer or your message. For example, insert a bite-sized Pay Day candy bar along with the message, 'Every day's a Pay Day when you exhibit at the ABC Show!' Another idea is to affix large plastic aspirin capsules to your mailer with the message 'Don't let this be another headache for you!' Or include a card with a telephone ringing along with the note 'Give us a call today!' Whatever your insert, make your message clear, make it novel, make it fun, make it useful, and make it one that leaves a warm fuzzy feeling -- not confetti. All that does is leave a mess! Too Good to Miss Create an offer that can't be refused. This may be a limited time offer (the expiration should never be longer than 60 days), or an offer that sets you apart from your competition, such as a better location or a bigger booth size with early sign up. Whatever the offer, the incentive has to be sufficiently appealing to inspire immediate action. Remember that there's no point in offering an outstanding incentive if no one knows about it. So in your direct mail piece, make this offer clear, easy to understand, easy to respond to, and relevant for your audience. Easy Does It Make it as simple as possible for your prospect to respond to you. The most effective option is a fax-back form with quick and easy response sections. Other possibilities are a toll-free telephone number, a postage-paid reply card, or a Web site. The Web site might not necessarily be your direct response tool, but it is certainly very effective as an additional interactive vehicle for obtaining more information about the show. Follow up by Phone Whatever you send out, make sure you follow it up with a telephone call to close the sale. You'll see single digit response rates quickly turn into double digits as a result. Whoever makes those phone calls must be professional, courteous, and well-informed of the details of the show and the benefits of exhibiting. Printing Essentials There are plenty of ways to save money, time, and mistakes when it comes to your direct mail bottom line -- and all without compromising quality or quantity. Here are a few ideas to consider: Save money with a printer. Pick a printer that will work with you -- not necessarily the one that offers the lowest bid. If you don't, you could end up sacrificing both quality and money. Get at least three estimates from three different reputable printers. Ask to see samples of their printing quality. Remember that you can always negotiate a price (typically between 10 percent and 20 percent off of the price they first quote you). For small print jobs buy your paper at a discount paper warehouse and avoid the printer's markup. Always supply a very detailed purchase order that includes all the details that could be problems: price quoted, ink colors, paper specs, space requirements, quantity, etc. Make sure that you see a final proof before the job is printed. When possible, supply the printer with a sample of your final art as a guideline. Mailing Tips Not only does a little know-how help with your printing procedures, but in your mailing too. If you want to save dollars, use third-class or bulk rate. You can save more than 70 percent of your postage cost if you can afford the slight time delay that bulk rate demands. Deliverability of bulk rate mail is between three and 10 days, but depending on the city, it can be just as fast as first-class. Make up a sample package in the early stages of your preparation and take it down to your post office to check that it will go through the mail system without any problems. You don't want to find this out after you have printed 30,000 pieces! Consider using a mail house to handle and sort your volume work. It can save an enormous amount of your time for a relatively low fee. Concerned about the image of mailing bulk rate? You can buy third-class stamps, which make a much better impact than a metered bulk rate mark. What's the key to your direct mail? It's the synergistic effect of multiple hits -- whether that's by mail, telephone, e-mail, broadcast fax, or an inexpensive postcard reminder -- which will ultimately make the impact and make the sale.
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