Call your credit card issuer and request a lower APR
Ask for a temporary hardship rate if you are struggling to pay
Mention competing offers from other credit cards
Improve your credit score before negotiating
Make payments on time consistently
Pay down your balance to lower your credit utilization
Transfer your balance to a card with a lower introductory APR
Consider a personal loan to pay off high-interest credit card debt
Ask to convert revolving debt to a fixed-rate payment plan
Avoid carrying new balances while negotiating
Request a fee waiver if you have a strong payment history
Close unused high-interest cards only if it will not hurt your credit
Refinance debt through a credit union or bank
Enroll in a debt management plan through a nonprofit credit counseling agency