Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

Credit card questions to ask your card issuer

Save money by asking for a lower APR or a break on a late fee.


You know what they say: It never hurts to ask. Many consumers don’t know this advice applies to credit cards. By calling your provider with targeted questions, you could save money, and even boost your credit score.

Call your card issuer with these questions

There are benefits to asking your card issuer the right questions. However, it’s not always easy to know which questions to ask — especially because there are specific things to know about particular cards.

Knowing a few broader questions, however, is a good place to start. Check out a few general questions to help you out across the board.

1. Which credit report do you pull for my application?

When you apply for a credit card, the provider will run a hard pull on your credit. This hard inquiry usually lowers your credit score by a few points.

Since your credit score takes a hit, be relatively confident you’ll be approved for the card. The higher your score, the better your odds.

Your credit score is different depending on the credit bureau. The three major bureaus in the United States are TransUnion, Experian and Equifax, each calculating a slightly different score.

By asking which bureau the credit card provider pulls from, you can check your score and make sure it’s in good shape. That way you’ll know your chance of approval before you apply and taking a hit from your hard pull.

2. Can you clear my late fee?

Late fees can hurt: Most providers charge $27 to $39 each time you miss your due date. If you see a late fee on your account, call your provider. Explain your mistake, assure the agent it won’t happen again and ask if you can have the fee cleared. If you’ve been a customer for a while with a record of on-time payments, let the representative know. They could make that late fee disappear.

Avoid late fees altogether by setting up autopay or putting reminders on your phone or calendar.

Try these providers for fewer late fees

Some providers will give you a break on late fees — either on your first one or on all of them. Here are a few:

Provider/Credit CardLate-fee policy
DiscoverNo fee the first time you pay late. After that, a fee of up to $40 for each subsequent late payment.
Citi Simplicity® CardNo late fees.
PenFed Promise Visa® CardNo late fees.
Apple CardNo late fees.
Petal® Visa® Credit CardNo late fees.
The information about Citi Simplicity® Card has been collected independently by Finder and and has not been reviewed or provided by the issuer.

3. I’d like to change my payment due date.

After you open your card account, your issuer assigns you a payment due date. You might want to change this for a few reasons:

  • Set your due date for when you have more cash available.
    If your bills come about the same time of the month, you can relieve some financial stress by requesting your due date at a different time. Breaking up your due dates can open up more cash flow.
  • Pick a convenient day to pay your bill.
    If moving your due date isn’t about cash flow but convenience, consider asking for a new date. It can be easier to remember that all of your credit cards are due on the same day.

If you’ve changed your due date recently, you might not be able to change it. Also, your provider might not let you select the 29th, 30th or 31st because they’re not found in every month.

4. Will you lower my APR?

You might be surprised by how fast credit card interest can accumulate. This is especially true if you don’t check your monthly statement. If you’re carrying a balance on your card, consider asking your provider to lower your APR.

You’ll have a better chance of success if:

  • You’ve been a customer for a while and have a history of on-time payments.
    Let the customer service representative know about your stellar record.
  • You have a strong credit score.
    Because you’re a valuable customer, your issuer has an incentive to keep you happy and make sure you don’t take your business to a different card provider.
  • You’re getting credit card offers in the mail.
    This is a hint that you have a strong credit score and you’re a customer other banks want. While you’re on the phone with your issuer, let them know you have other offers in hand. If other issuers are offering you specific interest rates, use this information to negotiate your APR.

No luck getting your APR lowered? Keep building your credit score and try again in several months. Try to pay off your credit card debt in full each month so you never have to worry about your APR.

Pro tip: Be nice

When calling in with one of these credit card questions, be friendly. Credit card reps put up with rude customers constantly, and most people call in with problems.

If you’re nice, you could be a breath of fresh air to your rep. Not only is this a kind gesture, it might also increase the odds of getting what you want. Don’t be afraid to be casual: Representatives are people too, and you’d be surprised how personable they can be.

5. Can I have a credit limit increase?

This is a question most cardholders never knew they could ask — and it can positively impact your credit score. Ask your provider for an increase in your credit limit if you consistently paid your bill on time and have a great credit score.
There’s one major pro and one major con to getting a credit limit increase:

Pro: Your credit utilization goes down.Con: Your issuer may initiate a hard pull on your credit.
Because your credit limit increases, your overall credit utilization decreases.

For example, if you’re currently using $500 of your $1,000 credit limit, you’re at 50% credit utilization. But if you get a credit limit increase to $2,000, you’re now at $500/$2,000 = 25% credit utilization. This will have a positive effect on your credit score.

It’s common for a provider to use a hard inquiry for credit limit increases. And because a hard pull can lower your credit score by a few points, you may wnat to hold off on that request if you plan on applying for a loan or other credit.

Also, consider putting off on your request if your credit score is damaged. You don’t want to have a hard pull only to get your request denied. Worse, your provider may decrease your credit limit if your credit score is too low.

If you’re lucky, your provider might increase your credit limit without you even asking. There’s no big secret to making this happen: Simply pay on time and keep your credit score high.

Compare credit cards

If calls to your issuer were unsuccessful, there are plenty of other card providers. You might find what you’re looking for with a different card.

Data indicated here is updated regularly
Name Product Filter values Rewards Purchase APR Annual fee
Citi® Diamond Preferred® Card
0% intro for the first 18 months (then 14.74% to 24.74% variable)
Long 18 months intro APR periods on purchases and balance transfers. Plus Citi Entertainment℠ for deals on dining and going out.
Citi® Double Cash Card
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
13.99% to 23.99% variable
This one of the most valuable flat cashback cards. It comes with 2% cash back (1% when you buy plus 1% when you pay) and 18 months to pay off transfers.
CardMatch™ from
See terms
See issuer's website
See terms
Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.
TD Cash Credit Card
3% on dining, 2% at grocery stores and 1% on all other eligible purchases
0% intro for the first 15 billing cycles (then 12.99%, 17.99% or 22.99% variable)
3% on dining and 2% on groceries make this a valuable card for food purchases. Use it while traveling, too, with no foreign transaction fees. Available in: CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT
Luxury Card Mastercard® Titanium Card™
1x points on all purchases with 2% point value when you redeem for airfare and 1% for cash back
14.99% variable
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.

Compare up to 4 providers

Bottom line

You might be surprised what you can get if you just ask. With a simple phone call to your card issuer, you could save money or boost your credit score.

If you don’t get what you’re looking for, you can always consider one of the top credit cards currently available.

Frequently asked questions

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site