Remember, It Can't Hurt to Ask

Actually, it helps a lot when it comes to getting creditors to lower the fees they charge you. In fact, according to this article, 87% of cardholders who asked for a late fee to be waived and 69% who asked for a lower interest rate, were successful.

If you have credit card debt, this is a no brainer. Pull out your phone and call the number on the back of the card. – now!