Are you afraid to call your credit card company and ask for a lower rate? Are you tempted to call one of those debt consolidation outfits on the internet and ask for help? Why not try it yourself first. You see if you run a balance on your credit card the credit card company is making boat loads of money off of you. They don't want you to leave. Why not give them a call and ask for a lower rate. Check out this example below on how to ask for a lower rate.
For additional reading check out the following book, Talk Your Way Out of Credit Card Debt!: Phone Calls to Banks That Saved More Than $43,000 in Interest Charges and Fees
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