A little sacrifice now, particularly when undertaken at the low point in the interest-rate cycle, can have lasting rewards in managing and repaying debt. Now is the time to employ a measure of financial discipline to americanexpressgolfcard make a dent in that debt load. Make the call. A five-minute phone call to your credit account issuer could save you hundreds, even americanexpressgolfcard thousands, of dollars americanexpressgolfcard in interest charges. There''s no incentive for them to lower your rate unless you call. The squeaky wheel gets the oil,"a consumer advocate Not convinced that a card company will give you a lower interest rate americanexpressgolfcard just because you call and ask nicely? Check out the results of a recent, national survey by the U.S. Public Interest Research Group. Fifty consumers of all credit backgrounds called credit account issuers and asked for lower rates. More than half, 56 percent, scored lower rates. How low did the rates go?

Keep your request simple. I personally like the line, ''What can you do to help me out?''"Another classic negotiating line is ''Can you do any better?'' If your card company won''t budge, it''s time to start looking for a better deal. This can help you search for americanexpressgolfcard card deals from issuers from around the country. This worksheet shows you how to transfer a balance to a lower rate card without a hitch. Looking for a better credit account? Check rates in your area. You have to be prepared to move your account if they don''t do anything for you," "Some of these places are really hard line." Not everyone who asks is going to get a lower interest rate. But long-time customers may americanexpressgolfcard have a better chance than newer customers.

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