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be7 they show up in your mail saying youamp;#39;ve been pre-approved and the interest rate is better than what you have now I knew this morning gel lets you know why considering those offers could help you get out of debt faster if you are carrying credit card debt currently itamp;#39;s really important to make a plan to pay it off so where do you start Kimberly Palmer with nerd wallet dot-com says it all starts with your cards interest rate averages around 17 or 18 percent she says talk to your credit card company ask for a lower rate if you have had the card for a long time and itamp;#39;s in good standing so youamp;#39;ve been making regular payments every month you do have a pretty good chance of having them say yes also make at least your minimum payment monthly but try to pay more that extra goes towards principle meaning youamp;#39;ll pay less in interest and Kimberly says checkout better offers many cards offer a low or even 0% balance transfer interest rate for the first