 TITLE: How to Negotiate a Lower Interest Rate on Your Credit Card CONTENT: How a Lower Interest Rate Can Help You\n--------------------------------------\nLowering the interest rate on even one credit card may help you pay off debt sooner, which may also increase your credit scores.\nIt's important to maintain good credit habits after you've lowered your interest rates and paid off debt: Avoid charging more purchases unless there's an emergency—and even then, an emergency savings account should help you avoid having to use credit cards in the first place.\nIf your card issuers hold out and won't lower your rates, be patient and call again to negotiate periodically. Changes in circumstances, available card offers and even different customer service representatives may get you the response you want. END