Credit Card Rates
When dealing with your credit card company, inquire about a lower annual percentage rate (APR) or an enhanced rewards package. There’s no harm in asking the card issuer to boost your reward points or waive a fee, as long as you typically pay on time and stay within your credit limit. Because most credit card companies prefer keeping long-term customers, you can also try telling them you’re considering transferring your balance to a competitor with a lower rate; you may end up with some discounts.