Everyone wants to know how to lower their credit card apr? It’s probably one of the most searched for phrases on the internet.

Want to know how to do it, it’s actually easier than you think. First… just make a phone call.

Most of the time a short phone conversation with your credit card company can save you hundreds of dollars in interest fees. Have you ever heard the saying “the squeaky wheel gets the oil?” this applies to credit card APR as well.

This about it… Why would your credit card company lower your annual percentage rate if you don’t ask them too? Recently a study was held where fifty card holders with various types of credit scores called their credit card companies and asked for lower rates. Over half (56%) of them were given lower rates. MORE THAN HALF!

Looking for low interest rate credit cards? Use our credit card finder to view our pre-qualified list!

How low did the rates drop? The 28 people who successfully reduced their credit card apr saw their rate drop an average of 16%.

If you are currently locked into a credit card and you aren’t happy with your annual percentage rate pick up the phone and call your card holder. You may be only minutes away from saving a massive amount of money. If you are looking for a new credit card with a low APR rate please view the hand selected listing of cards below or click here to view the full list.