By conducting research, getting in touch with your card issuer, and asking for a lower APR, you might be able to cut the interest rate on your credit card.
You may frequently be given a cheaper interest rate if you keep up good credit and a spotless payment history. Don't give up even if you don't succeed. Continue to pay your bills on time, get rid of any remaining debt, and establish a plan to give it another go in three to six months. The next time, you can make a stronger argument by repairing your credit.
Simply by requesting your credit card provider, you might be able to get your interest rate reduced. Although card issuers aren't required to lower your rate, they might be willing to do so, particularly if you've made on-time payments consistently for a long time or if You now have better credit than when you first started your account.
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