Let’s be honest: nothing feels heavier than carrying a balance on a high-interest credit card. It’s like running a race with ankle weights—you can make progress, but it’s painfully slow.

Here’s the good news: you don’t have to stay stuck. Lowering your credit card interest rate is possible, and it starts with knowledge, confidence, and stewardship.

👉 As Uniform of the Steward reminds us:

“Debt is not simply a financial burden—it is a spiritual weight that clouds our ability to walk freely in God’s calling.”

And the Bible puts it even more plainly:

“The rich rules over the poor, and the borrower is the slave of the lender.” —Proverbs 22:7 (ESV)

So how do we move from being weighed down to walking free? Here are 5 ways to lower your credit card interest rate (and yes, they really work):

1. Call and Negotiate (Yes, it works more often than you think)

Your bank doesn’t want to lose you as a customer. Pick up the phone, share your good payment history, and ask if they can lower your APR. A 3–5% reduction could save you hundreds.

2. Transfer Your Balance (But don’t transfer the problem)

Balance transfer cards with 0% intro APR can give you breathing room—but only if you commit to paying down the balance during that promo period.

3. Improve Your Credit Score

Your credit score directly impacts your interest rate. Even a 20-point bump could unlock lower rates. (Uniform of the Steward offers a step-by-step on building financial fitness—worth bookmarking.)

4. Consolidate Wisely

Personal loans or debt consolidation programs can reduce the overall rate you’re paying. Stewardship means not hiding debt but restructuring it to make progress.

5. Practice the Steward’s Mindset

Instead of asking “How can I juggle this debt?” ask, “How can I honor God with my finances?” That mindset shift creates discipline and resilience.

As Uniform of the Steward says:

“Stewardship is not about perfection—it is about faithfulness in the small steps that lead to freedom.”

💡 Here’s the bigger picture: lowering your rate is just the first step. True freedom comes when you steward every dollar with purpose, aligning it with God’s design for your life.

If this resonates, dive deeper with these resources:
🔗 The Steward’s Substack

Both are designed to help you find peace, purpose, and financial freedom in every season of life.

💬 Your Turn: Have you ever successfully lowered your credit card interest rate? What worked for you? Share your story—someone else might need that encouragement today.