Let's make a deal

Not happy with your credit card rates and fees? Ask your credit card company to lower your rates and give you a better deal.

It costs credit card companies to gain and keep customers, even customers with credit card problems.

Study the offers from other credit card companies, then call your credit card company and ask a representative to beat or match the lower rates.

Finally, get credit card help from a reputable debt counselor or agency, when you have long-term credit card debt and need help finding lower interest rates.