Content Overview 
- Summary
- Contact The Credit Card Company Ahead Of Time If You Have To Miss A Payment
- Ask For A Waiver of Fees
- Ask For A Lower Rate Of Interest
- Pay Down The High Interest Rate Credit Cards First
- Transfer Balances To A New Account Or To An Account With A Lower Interest
- Consolidate Your Credit Card Debt Into Non-Credit Card Debt
Summary
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To lower credit card costs:
- Contact the company ahead of time if you have to miss a payment.
- Ask for a waiver of fees.
- Ask for a lower rate of interest from the regular rate of interest, and particularly if interest is raised.
- Do what you can to pay down your balance.
- Transfer balances to new or existing credit cards with lower rates.
- Consolidate your credit card debt into non-credit card debt.
There are also steps you can take to help pay down a credit card balance as quickly as possible.
There are also steps to take if your use of credit cards is out of control.
Please share how this information is useful to you.
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