Credit institutions will often offer you special introductory rates
, generous free gifts or other incentives to switch companies. However, you should withstand the temptation unless you have a reasonable reason to switch. Establishing a great credit relationship with one agency - having one charge card from your college days, for example - is a fantastic way to show creditors that you are a steady sort of person who is feasible to take money matters seriously. This is exactly what lenders want to see. Switching accounts and creditors makes you seem fickle and less than dependable.