Getting a better credit card rate with one phone call
It may sound like a cliché but it really is possible to get a better credit rate with just one phone call. This does not mean that you have to call a new credit card company, apply for their credit card, fill in all the forms, sign the documents, and wait to see if you get accepted or not. What you can actually just do, is call your existing credit card company, and ask them for a lower rate.
Depending on the length of time that you have had the credit card and the amount that your circumstances have changed, it could well be possible that you are entitled to a much better rate. For example, many people take out credit cards while they are students. Naturally, these credit cards will have a high interest rate as students are generally regarded as high risk borrowers. However, once you graduate from university and start earning your own income, you status will have changed significantly and you will most likely be entitled to a better interest rate. Therefore, just call up your credit card company and ask for one. If they are reluctant, say that you are going to leave and go to another company that is offering a better rate. In the vast majority of cases, they will bring your rate down by a percentage point or two. It could not be easier to get a better credit card rate.