Negotiate Your Rate
Interests rates are at historic lows and this may be the perfect time to negotiate a lower rate on your credit cards and loans. Phone your credit card customer service department and ask a supervisor to lower your interest rate. If your request is denied get the name of the company president and the corporate office phone number,
and phone that person. When you phone, you will probably be transferred to a
high-ranking customer executive, at which point you can continue to lobby
for a better rate.
Don’t give up because perseverance can pay big time.