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You can find a legitimate credit counselor through the National Foundation for Credit Counseling.
Click here
…or through the Association of Independent Consumer Credit Counseling Agencies.
Click here

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If the card company won’t lower your rate, try another card. Several websites list low interest credit cards and these links will take you directly to the pages you need.
Click here for CreditCards.com
Click here for CardTrak.com
Click here for LowCards.com

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You can get a higher interest rate on your bank account. The website Money-Rates.com lists the highest savings account interest rates at any given time.
Click here

There are even checking accounts with high interest rates.
Click here

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There are several great websites that compare and contrast different card programs. I just went to BillShrink.com and I like the way it’s organized.
Click here

If, for some reason, you can’t use your credit card points in a conventional way, clever entrepreneurs have developed websites where you can swap them with other individuals.
Click here

Donate miles converted from credit card points to injured service members and their families.
Click here

Donate points to charity.
Click here

Instead of paying your credit card bill once a month, when it’s due, try making a half payment every two weeks. The website CreditCards.com keeps track of these rules in its section on “micropayments.”
Click here


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