body{-webkit-animation:-amp-start 8s steps(1,end) 0s 1 normal both;-moz-animation:-amp-start 8s steps(1,end) 0s 1 normal both;-ms-animation:-amp-start 8s steps(1,end) 0s 1 normal both;animation:-amp-start 8s steps(1,end) 0s 1 normal both}@-webkit-keyframes -amp-start{from{visibility:hidden}to{visibility:visible}}@-moz-keyframes -amp-start{from{visibility:hidden}to{visibility:visible}}@-ms-keyframes -amp-start{from{visibility:hidden}to{visibility:visible}}@-o-keyframes -amp-start{from{visibility:hidden}to{visibility:visible}}@keyframes -amp-start{from{visibility:hidden}to{visibility:visible}}body{-webkit-animation:none;-moz-animation:none;-ms-animation:none;animation:none} h1, h2, h3 { font-weight: normal; } amp-story-page { background-color: #131516; } amp-story-grid-layer { overflow: visible; } @media (max-aspect-ratio: 9 / 16) { @media (min-aspect-ratio: 320 / 678) { amp-story-grid-layer.grid-layer { margin-top: calc((100% / 0.5625 - 100% / 0.6666666666666666) / 2); } } } @media not all and (min-resolution:.001dpcm) { @media { p.text-wrapper > span { font-size: calc(100% - 0.5px); } } } .page-fullbleed-area, .page-background-overlay-area { position: absolute; overflow: hidden; width: 100%; left: 0; height: calc(1.1851851851851851 * 100%); top: calc((1 - 1.1851851851851851) * 100% / 2); } .element-overlay-area { position: absolute; width: 100%; height: 100%; top: 0; left: 0; } .page-safe-area { overflow: visible; position: absolute; top: 0; bottom: 0; left: 0; right: 0; width: 100%; height: calc(0.84375 * 100%); margin: auto 0; } .mask { position: absolute; overflow: hidden; } .fill { position: absolute; top: 0; left: 0; right: 0; bottom: 0; margin: 0; } @media (prefers-reduced-motion: no-preference) { .animation-wrapper { opacity: var(--initial-opacity); transform: var(--initial-transform); } } amp-story-grid-layer.align-bottom { align-content: end; padding: 0; } .captions-area { padding: 0 32px 0; } amp-story-captions { margin-bottom: 16px; text-align: center; } amp-story-captions span { display: inline-block; margin: 0; padding: 6px 12px; vertical-align: middle; border-radius: 15px; background: rgba(11, 11, 11, 0.6); color: rgba(255, 255, 255, 1); font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Oxygen-Sans, Ubuntu, Cantarell, "Helvetica Neue", sans-serif;; font-size: calc(4 * var(--story-page-vw)); line-height: 1.4; word-break: break-word; word-wrap: break-word; overflow-wrap: break-word; } How to Lower Your Interest Rates

How to Lower Your Interest Rates

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Credit cards and loans can be important assets in our lives – they help us get an education or build trust with banks for larger purchases like homes. But high-interest rates can mean danger. If you can’t keep up with payments, the mounting debt can feel suffocating.

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Call Your Lender

Yes, it’s that simple! You can negotiate a lower rate by calling your credit card company or loan lender. With this method, most people who try are successful. This is the most straightforward option, and it’s often overlooked.

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If there are several cards that you’d like to negotiate, start with the one you’ve had the longest. Starting with your oldest debt or line of credit might work best since they’re more likely to trust you. However, you’ll want to be prepared before making that phone call.

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First, look at your payment history. If you’ve consistently made payments on time, bring that up to your lender. They’re more likely to give you a break if you’ve shown them in the past that you’re a trustworthy borrower.

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Also, take note of your credit score; has it recently gone up? Anything you can show your lender to prove that you’ve been responsible will help in your favor.

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Don’t be afraid to do some research. Look into other credit cards and see what rates they’re offering. If they’re lower, you can bring that to your lender and ask if they’ll match it.

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Negotiate

You’re asking your lender for a favor, and no one wants to help someone who is rude or demanding. Be kind and remember the person on the other line is just doing their job.

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Swipe Up To  Read More

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