Banks are trying to attract customers and are usually willing to offer cardholders benefits and benefits, including low interest rates, rewards and even signing bonuses. But do you know, if you ask, credit card issuers may also provide some additional services? We've put together a list of six little-known benefits, and as long as you make a call, these benefits are available – some may even help your credit health.

1. Change the date the bill expires

The history of your on-time payment is usually one of the most important factors in calculating your credit score, so delaying payment on your credit card can have a negative impact on your score. If you are having trouble using multiple credit cards, try calling your credit card provider and asking your bill to expire monthly. If you can sync all your credit card expiration dates, you can minimize the chance of forgetting to pay.

2. Limit spending and prepaid cash

There is a strong correlation between your credit card usage and your credit score. Experts generally recommend that you keep the balance of the balance and credit limit below 30%. You can ask for a purchase amount and a cash advance payment on your credit card so that you can keep your credit utilization at a comfortable level. Since prepaid cash charges and interest are usually higher than the purchase rate, you may wish to set the prepaid cash limit to $0 to avoid these increased costs.

3. Increase your credit limit

One way to reduce your credit utilization is to increase your credit limit. If your current credit limit is low or sometimes there is a balance, try to increase the limit on the card. Remember, if there is a higher credit limit that will entice you to spend more, this may not be the best strategy for you. Also, asking for a higher limit may result in a tough query, which may affect your credit score, so consider whether it is worthwhile to add possible queries.

4. Lower interest rates

Banks are often more willing to work with long-term customers. If you work in a bank for a long time, politely asking for a lower interest rate is no problem, especially if you have established a history of paying on time. Although you should do your best to repay on time every month, if you need to carry a balance, a lower interest rate will help you reduce the amount you need to pay.

5. Cancellation of late fees

If you are late for the first time, the bank may be willing to give up the late payment fee. In fact, some credit card providers, if found, or even provide a card, will automatically waive the fee at your first late payment. However, this is something you never want to try. Try your best to pay as soon as possible. If you miss the payment, try to explain your situation to the bank - they may help you.

6. Free credit card annual fee

If you want to cancel your credit card to avoid the annual fee, consider calling the card issuer first, because closing your account will affect your credit. Banks may be willing to waive your annual fee, especially in the first year, or provide a report credit or bonus points to keep you as a customer.