If you have credit cards and your credit is in good standing, try calling your credit card company and asking for your interest rate to be lowered.
It really can be that simple. Unfortunately, most people do not even realize this is an option so they never make the call. Just tell the representative that you want a lower rate on your credit card and wait to see if they will honor your request.
A simple five-minute phone call to your credit card issuer could save you hundreds, or even thousands, of dollars in interest charges.
It doesn't hurt to ask!