 TITLE: How to Lower Your Credit Card Interest Rate CONTENT: Prioritize Cards by Age or Interest Rate\n----------------------------------------\nIf you've had a credit card for a while and have a solid record of timely payments, that history can give you some leverage. Try calling the issuer of the card you've had the longest. Explain that you have made on-time payments for several years and ask whether they would consider reducing your interest rate by a few points.\nStick to your call outline. If you're successful, you'll gain confidence and additional evidence to use when speaking with other card issuers. If your efforts don't pay off this time, try another card issuer.\nConsider focusing on the cards with the highest interest rates and working your way down the list through those with lower rates. Or, if your outstanding balances are concentrated on just one or two cards, consider trying to get those interest rates reduced first, even if their rates aren't the highest.\nNo matter what, plan on calling every card issuer. You never know which will be open to reducing your interest rates, and any decrease in interest rate will allow more of your payment to go toward paying off the principal you owe and reducing your overall debt. END