Negotiate Credit Card Debt Rates

Can you really negotiate credit card debt rates?

The answer is yes but certain conditions must apply.

Just make sure that:
1- You have not made any late payments for the last six months.
2- You have not gone over your credit limit recently.
3- You have not asked for a credit limit increase in the last few months.

Then call your creditor and make the request. Remember that credit card companies make their money on high interest rates and late charges. But always feel free to search for a lower rate with another company and make sure and read the small print.