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The original was posted on /r/lifeprotips by /u/Bonsai__San on 2026-07-19 01:03:32+00:00.
I have a couple companies I use for their services and have had luck with these a few times.
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if you are late on a payment and not doing that routinely you can call and ask to have the late fee waived. I’m sure we’ve all forgotten once in a while a bill is due, if you don’t do that often most CC companies will wave the late fee if you are otherwise in good standing.
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about once a year you can request to have a permanent reduction in your APR, often times it will not be a huge amount but doing this yearly has gotten me down quite a bit from where it started (of course if you pay off your bill monthly, which you should, this shouldn’t matter much)
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an alternative to yearly drop in APR you can request if there are any available promotions you can take advantage. Most notably I will ask if there are any special APR offers and I usually get 0% APR for a whole year. This is great if you are wanting to make a large purchase and need time to pay it off and make sure interest does not accrue. Me and my wife go back and forth on this so we always have one card that gives us 0% for a whole year while the other cards we drop the APR permanently. Juggle these around to consistently have good deals that can help in everyday life.
I’m sure there are more tips for credit cards so if you have any drop them in the comments!