 TITLE: How to Lower Your Credit Card Interest Rate CONTENT: Don't Give Up\n-------------\nIf your efforts at getting an interest rate reduction don't pan out, don't despair. Continue paying your bills on time and paying down your balances, and plan on trying to renegotiate again in a few months' time.\nIn the meantime, to strengthen your negotiating hand, consider looking into a balance transfer credit card that you can use to pay off one or more of your accounts in full. If you call a card issuer and tell them you've just paid off your card in full or are about to do so, they may take your promise to close your account more seriously than if you've got a sizable balance on the card.\nCredit card issuers know it's hard to gain customers, and they hate to lose them, so eventually you'll likely have some success in your negotiations. END