Here are the steps: http://christianpf.com/how-to-negotiate-with-credit-card-companies/
Negotiating interest rates with credit card companies - A few years ago, when I had over $15,000 of credit card debt, I was often negotiating with credit card companies to get better interest rates. I took a very active approach toward minimizing my interest expense on my debt and learning to negotiate with credit card companies was a key component to speed up the debt reduction process.
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