Do you have a considerable amount of credit card debt? Many times people are unaware that you can lower your credit card interest rates simply by calling and asking your credit card company. If you tend to carry a high balance each month it can really save you money lowering your rate. Even if your rate is only lowered a few percentage points I highly recommend making the call.
I see too many people these days with huge interest rates of 18% plus and it is sad they don't realize that they are probably capable of receiving much lower rates.
Give it a try today, call your company and see if they can lower your rate for you. A 10 minute call can potentially save your thousands of $ in interest.