It Never Hurts to Ask
If you carry a balance on your credit card, brace yourself: Rising interest rates are coming for you. The average consumer's APR could rise from just under 16.4% to 18.5% by the year's end, experts tell CNBC. Assuming that cutting up the card isn't an option, there's still a way to save. Amazingly, a survey by LendingTree has found that the majority of people who simply ask for better credit-card terms get them — but less than half of credit-card holders ever negotiate. It also turns out that there's plenty more than a better interest rate that credit-card users can ask for, and stand a good chance of receiving.