Paying down debt when you have high credit card interest rates is a struggle. The good news, though, is that you can negotiate credit card interest rates. If you can get a lower interest rate by a percentage point or two, it might save you a few hundreds of dollars annually. And you can accomplish that with just a single phone call.
So you had some debts in the past and weren’t exactly diligent in paying them on time. It happens. But now credit card companies keep turning you down. Fortunately, some credit card companies are more lenient than others and might still allow you to obtain one of their credit cards. Here are a few such options.