Lower Your Interest Rate

The key to making this work for you is to make sure you make at least the minimum payment each month.

Also if you've been late or missed a payment in the last six months it may be tough to get the credit card company to work with you.

Try the script below; if you have success let me know about it.
    "Hi, my name is (your name here). I'm a good customer, but I've received several offers in the mail from other companies with lower annual percentage rates. I really want a lower rate on my card. Can you help me?"

If the answer is no, ask to speak to a supervisor. If the answer is still no, ask for another supervisor.

Also don't be shy about letting the company know you would consider closing the account unless they can lower your rate.

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