If you have credit card debt you'd be amazed by how much money you spend on monthly interest rates. You'd also be amazed how much money you could save by just reducing your interest rate by just .5-1%.
So pick up the phone and ask your credit card company to reduce your interest rate. If you've been paying your bills on time they should be able to accomodate you. Additionally, if you've got another credit card you can threaten to move your balance to your other card. Once you do that, I bet they'll find a way to bring down your rate!
