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If you pay your credit card bill on time and haven't been late (I don't know how many months/years back they give you as a "grace period") and your credit card interest rate is 14% or higher, then they are either doing it or are a real lousy company.
Of course there's the option of transferring your balance to another card with a low transfer balance rate. If they check any other bill that you pay, and you are late, than your rate will typically jump to around 24%.
I've been OVERpaying my card bills (balances are $20-30 per month)
so that when I get my bill, I see "No payment required" AND they have to pay interest for any positive balance that they carry to next month.
(Keep in mind that I only overpay by paying $100.00, so I'm not giving them a lot to hold onto.)
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