Whenever I am with a group of people and the topic of Credit Cards comes up, at least one person always asks, “How can I reduce my credit card interest rate?” !
The easiest way to do this, is to simply call your card company and ask! The worst thing they can say is no. However, don’t stop with one no. Ask for a supervisor, or simply call back once or twice later in the day and speak to different representatives. If you explain your situation, sometimes you will get someone who empathizes with you, and is willing to help you out.
Some tips to keep in mind:
When calling, be sure to always be polite to the representative. As someone who worked in the industry, I can assure you, you will get much further with kindness than bullying.
Know your credit history with the company.