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Get credit card company to reduce interest rate

How can I get the credit card companies to reduce the interest rate down from 29% / 33% to something more reasonable?

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call them and negotiate
call them and ask them to reduce the rate close the account and put you on a 5 year pay back plan
refuse to pay until they reduce the rate
be prepared or willing to get bad credit

Posted in Bad Credit Credit Cards, Credit Reports.

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