If you are like most Americans, you have multiple credit cards and most likely unpaid balances. So the interest rate at which you borrow money is of primary importance for you.
The good news is that due to the competition among credit card issuers, it is possible to find bargain rates even if your credit rating is far from perfect. But before you start shopping for new offers, check with your current credit card issuer if they can offer you lower rates. When faced by your firm determination to leave them, many credit card issuers agree easily to lower your interest rates.
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