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"I think I&amp;#039;m on to a little game that the credit card companies are playing. It&amp;#039;s called &amp;quot;We Will Keep You On Hold So Long That You Will Either Forgot Why You Called or You will Hang Up and Call It A Day&amp;quot;.  In being fortunate enough to have the guidance of Laura Rowley, an expert at Yahoo! Finance, I made a list of my credit cards and their interest rates and began calling them with a polite and a succinct script designed to lower my rate. I admit, I was intimidated by this task for reasons even I don&amp;#039;t understand, but I agreed to do it and I&amp;#039;m glad that I did. I started to laugh at the hoops that I had to go through just to speak to a live person. Between recordings of &amp;quot;To hear about our latest and greatest offers&amp;quot; to having to navigate the myriad number menus, I was frustrated and wanted to hang up. But knowing that my readers and Laura Rowley were counting on me, I kept pressing on. Interestingly, on my first phone call to Capital One Bank, the young man that I spoke to said that yes, he was authorized to lower my interest rate, but my current rate of 29.4% could not be changed at this time. When I asked why, he said he didn&amp;#039;t know the answer. When I asked politely to speak to his supervisor, he argued a bit, but finally made the transfer. I had a bit more luck here. His supervisor said that while he couldn&amp;#039;t lower my rate (he didn&amp;#039;t know why either), he said that beginning December 1st, my rate would be lowered to 22.9%. Why December? Again, no answer. I took it, said &amp;quot;thank you&amp;quot; and ran. The greatest luck that I had was on my Best Buy account. Without question, they nicely lowered my rate from 23.99% to 18.99%. A 5% savings! I was pleased, I was proud and I felt empowered enough to keep going. When all was said and done, some of my cardholders said no, but I lowered the interest rate on all of my cards by 13.5% collectively! What a great savings and a fantastic feeling. For anyone who reads this, I encourage and challenge you to the same. I just saved myself hundreds of dollars in interest and kept money in my pocket with little effort and so can you. Just ask! "^^<http://www.w3.org/2001/XMLSchema#string>
<http://www.womansday.com/life/a45422/mom-vs-interest-rates-1890/>