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You may get a lower interest rate on your credit card just by asking. If you’re a long-standing customer with good credit score, try bargaining with you current credit card company. You might be successful at getting a better rate.
You’ll have even more bargaining power if you get another credit card offer with lower rate. If it’s a genuinely good deal, use it to persuade your current card issuer to reconsider. Say you’ll switch unless they match the new card’s rate. If the answer is no, switch cards and enjoy your savings.
All the best,
Timben
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