Wise Use Of Credit Cards

It is indeed interesting that many credit card holders are not aware of the fact that they can have their credit card interest rates lowered by their credit card company. I am sure that to many card holders this comes as very good news. There does exist a caveat to this however. The condition is that the card holder must already be making timely payments on their credit card fees on top of having a stellar credit score. With a good credit score it is so much easier to carry out Credit card debtnegotiation. A good credit card fee payment track record is an added bonus.