Your payment history is clean, but the balance barely moves because a 29.24% annual percentage rate keeps adding interest. You want a lower rate, yet a phone call can leave you with no written record and no clear explanation of the issuer’s decision. A focused letter creates a paper trail, states the request precisely, and […]
How to Negotiate a Lower Credit Card Interest Rate in 6 Steps
Most people think your credit card APR is set in stone. It’s not. Credit card companies will lower your interest rate — if you ask the right way. I’ve done it. My rate dropped from 24.99% to 14.99% in one phone call that lasted 11 minutes. Here’s the exact process. No fluff. Why Your Credit […]