How To Get A Lower Interest Rate Or APR On Your Current Credit Card

How can I get a lower interest rate or APR on my current card?

If you feel that your credit is being handled responsibly but that you feel that your interest rate that you're paying is too high, then call your credit card issuer and say "I want a lower rate." Often you will get that lower rate. If there's resistance, ask to speak to a supervisor and the supervisor may have authority to give you a lower rate. If that still doesn't do it, try to inform them that you were offered the opportunity to have another credit card with this lower rate, and you may find that they will match what you could get from a competitor because they don't want to lose your business. So, even an individual consumer, one individual consumer, can have the negotiating clout with a large financial institution if they have the willingness to negotiate.