Have you heard the news? Interest rates are dropping! The bad news is credit card rates are not. Why? The financial credit crisis at many banks has led to the banks raising rates instead of lowering the credit card rates.

People with great credit scores can still find some pretty good deals, but lower credit scores today translates to higher rates.

What should you do to make sure your credit card interest rates don’t shoot up? Pay attention. Read the mail that your credit cards send you. The fine print will often tell you about your raising rates. Call the companies and ask for a lower rate. Tell them you are looking elsewhere and need a better rate to keep you as a customer.

Whatever you do, pay attention. You can save yourself money by checking into things and putting a few minutes of time into your credit card statements.

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