Taming The Costs Of Your Credit Cards

Rather than being a spectator in the credit-card price war, why not call your issuers and ask them what they've done for you lately? Despite the trend for card companies to cut interest rates and offer no-fee cards, many consumers are paying annual fees of $20 or more and rates on outstanding balances of nearly 20%. But some fed-up cardholders have learned a little secret: If they complain loudly or threaten to cancel their cards, they can exact better terms on the plastic they now carry.

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