call your credit card company and ask them to lower your APR. If they ask why, tell them you’ve been paying your bill in full on time for the last few months, and you know there are a number of credit cards offering better rates than you’re currently getting. (See page 64 for a sample script.) In my experience, this works about half the time. It’s important to note that your APR doesn’t technically matter if you’re paying your bills in full every month – you could have a 2% APR or 80% APR and it would be irrelevant, since you don’t pay interest if you pay your total bill each month. But this
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