Negotiate Your Interest Rate

Did you know you can call your credit card company and ask them to lower your interest rate? It may sound too good to be true, but it often works, especially if you’ve been a reliable customer. When you call, explain that you’re working on paying down your debt and ask for a better rate. Some companies might even offer a temporary 0% APR on balance transfers or purchases. This can save you a lot of money in the long run, so don’t be afraid to negotiate!