 TITLE: How to Negotiate a Lower Interest Rate on Your Credit Card CONTENT: If you carry a balance on your credit card, a higher interest rate, also called an annual percentage rate (APR), can make it harder to put a dent in your debt. When you make payments on a high-APR card, more of your money goes toward interest, which means it takes longer to chip away at the principal balance.\nNegotiating a lower credit card interest rate is one strategy to get out of debt. It can also offer breathing room if you're dealing with a financial emergency that affects your ability to cover all your bills. Here's how to do it: END