Tell them you have a better deal on the table across the street. You'll be surprised just how much things can change with a little bit of competition. Of course if you've got poor credit things might not be quite so simple. And if that is the case maybe the best thing would be you for you to talk to a licensed debt counsellor or visit a bill consolidation service to get some idea of how you can reduce your monthly commitments. See what I meant when I said they don't care about you? Of course from your point of view you are probably going to be benefiting by having lower repayments, less worry and you'll get your credit history back on track. So it's win-win. Now to actually get a bad credit debt consolidation loan you're going to have to convince the bank or loan company that they really are going to be benefiting. If you have that clearly in the forefront of your mind you will make much safer investment decisions. That's simply because you're far less likely to panic if you see the price of your stocks fluctuate dramatically. Another basic is something you no doubt heard as a child - "never put all you eggs in one basket". If you need ready access to your money then go for something which won't be as easily affected by outside events. While markets fluctuate and at times quite wildly they do tend to rise over time but that won't help you if you need to get your hands on your cash the day after tomorrow and the market's in freefall. Probably you are contemplating on opening a saving account too. If you are doing that, there are certain things you must look for. One of the first things that you have to remember is that the bank where you have your regular account is not necessarily the bank with the best saving accounts too. With a saving account, the stakes are higher because banks have to pay you interest on the deposits that you make. Ordinary men and women who knew very little of the ways that stock markets operated began to buy stock to join in this speculative boom. Many people even borrowed money to allow them to buy even greater amounts in the belief that the good times were bound to continue. They ignored all the warnings and speculation drove prices ever upwards regardless of common sense.