Before switching credit cards to get a lower interest rate, consider contacting your existing card company and requesting a lower rate.

• Visit www.creditcardguide.com or www.bankrate.com to get actual interest rate information to use in your request.
• Tell them how many years you have been with their company and that you are prepared to switch companies if the rate is not lowered
• If you have paid late or exceed your credit limits, do not expect good results.
• If you are a good customer and you are not initially successful, ask to speak to a supervisor and/or call again in 10 minutes and ask again. Persistence pays.