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Lower Your Credit Card Interest Rate

Are you struggling to make credit card payments?

If you have a history of on-time payments you may be able to negotiate a better rate. Here’s how. Gather your current bill and call customer service. Be prepared to wait. Speak to a real person. If they don’t have the authority to make changes to adjust rates, request to speak to someone who can. Do not send an electronic request or leave a message. Point out your good payment history and the length of time you’ve been a customer. Share the interest rates of competing companies that you research ahead of time. It’s possible they’ll negotiate to avoid losing your business. Jesus said “…do to others what you would have them do to you…” (Matthew 7:12) So treat the representative like you would want to be treated. As an ambassador of Christ, speak with patience, respect, and kindness. You’ll be assessed at how valuable you are as a future customer. Whether they negotiate or not, always express gratitude for their time.

You can avoid credit card charges with these simple tips: Pay the balance off every month. Choose a card with no annual fee or foreign transaction fees. Pay on time to avoid late payments. Don’t use the card to withdraw cash. If necessary, check into a balance transfer card, but read the fine print so you understand all fees and time frames. Meanwhile, avoid losing money each month on interest payments by keeping track of your daily spending. Use cash, embrace frugality and break free from the monthly payment mindset. 

And if you struggle paying the bills because of credit card debt, contact Christian Credit Counselors. They’ll create a debt management plan just for you. For more information call the Crown Helpline: 800-722-1976 or online at