I got a wild hair up my ass today. I thought it would be cool to call my credit card companies and ask them when I become eligible for a lower interest rate.
Would you believe that in both cases, they lowered my APR? They further suggested I call back in 6 months to get it lowered again! Who knew???
Now, I don't have the best credit rating on the planet, but I am good at paying the minimum on time I guess. Presumably if I go another 6 months without ever being late, they'll lower the rate again. I swear if I knew it was this easy, I might have called earlier! But being an informed consumer ain't always easy and I never would have guess that lowering my credit card APR was as easy as a phone call.