Please choose the correct ending to complete the given sentence: Education and Communications: [header] How to write a letter to reduce credit card interest rates [title] Create a file that includes other offers from credit cards or balance transfer offers with lower interest rates offered. [step] If you haven't received any in the mail, or if you've thrown them all in the trash, do some research online to find other offers with lower interest rates. [title] Find out what the current prime rate is.

Ending1: [step] Some credit cards may offer lower rates because they don't get as many offers. If that's the case, try avoiding investing in credit cards. Ending2: [step] Rarely are you able to pay interest in a certain range of monthly or monthly interest rates. Your state's department of credit counseling and billing authority can help you in this subject. Ending3: [step] The federal reserve sets this as a standard for lenders and banks. Credit card companies use this to set their interest rates, usually staying within 9 percent of the prime rate. Ending4: [step] Find out how the company currently charges for credit cards, and how they finance their store. Then use this information to determine your credit limit.

Answer format: ending1/ending2/ending3/ending4