It might be time to make one phone call
Ask for a Better APR
Stats say it's worth a try
Credit card interest rates aren't doing anyone any favors these days. If you're carrying a balance, it can feel like a chunk of every payment disappears before it even touches what you owe. That's why one simple phone call could be worth your time. You can ask your credit card company for a lower interest rate, and while there's no guarantee they'll say yes, plenty of people have had success just by asking (see the infographic below for the actual figure). We'll show you how to start the conversation.
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