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How to Negotiate Lower Credit Card Interest Rates: A Step-by-Step Guide

How to Negotiate Lower Credit Card Interest Rates: A Step-by-Step Guide Introduction Credit card debt can quickly spiral out of control if you’re stuck with a high interest rate. The average credit card APR (Annual Percentage Rate) hovers around 20-25%, making it difficult to pay off balances. However, many people don’t realize that credit card interest rates are negotiable.   By learning how to negotiate a lower APR, you can save hundreds—or even thousands—of dollars in interest payments. In this 3,000+ word guide, we’ll cover:   • Why credit card interest rates are negotiable   • How to prepare for the negotiation  • Step-by-step strategies to lower your APR   • What to do if your issuer refuses  • Alternative ways to reduce interest costs   Let’s dive in!  
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