6. Negotiate your credit card rates
Credit card interest rates are some of the highest in the market. What most people don’t even know is that they are actually entitled to negotiate those rates with their credit card companies. You should start by getting in contact with your credit card issuer and asking for a rate cut. If they refuse, you can always let them know you are considering transferring your balance to a different credit card (yes, you can do that, too) and see what they say. But check out other credit card rates anyway – you can often transfer your balance from one company to another and lower your debt immediately. Some even give incentives for doing so.