All the terms and conditions tied to your credit card are not immutable. You might be surprised to learn how possible it is to get a lower interest rate on your debt — just by asking. According to a report byCreditCards.com, 69% of cardholders who asked for a lower interest rate got one. The report also found that 87% of cardholders who asked for a late fee waiver were successful.
But wait — there’s more! Fully 82% of cardholders were successful in lowering or eliminating their annual fee (31% negotiated the fee to a lower amount, and 51% got it waived entirely), and 89% of cardholders were given a higher credit limit when asked.
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