Okay, don’t literally beg. But do call. Say, “Hi, I’ve been a loyal customer for years. Can you lower my APR?” They might say no. They might say yes. I’ve had friends get a 5% to 10% cut just by asking nicely. It’s not a freeze, but it’s a chill. And a chill is better than a burn, right?
Also, ask about hardship programs. If you’re struggling, some issuers will let you pause interest for a few months. It’s not advertised—you have to ask. Think of it as the unspoken menu at a restaurant.
How to Freeze and Unfreeze Your Credit Report and Why You Need To
