9. Negotiate and bargain with your credit card company
Have you been a good credit card customer over the years, paying off your balances and keeping balances low? If yes, you deserve to be rewarded with lower interest rates. All you have to do is ask for it. Call your credit card company’s customer service line and ask for an account manager.
Once you get on the line with them, ask them for a revision of your APR%, citing that you deserve to be charged less for having been an ideal customer. You will be surprised to know that such revisions are often carried out by credit card companies. They will however rarely do it on their own though.
Pick up that phone and ask for it. You can also ask for late payment fees to be reversed when you make that rare late payment.