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Why Can't I Use Credit Cards If I Pay Them Off Every MonthHow to minimize interest charges � Pay off your credit card balance in full each month. � If you choose not to pay off your balance in full, try to pay more than. One straightforward way to reduce your credit card interest rate is to ask your card issuer for a lower rate. There are several ways to lower your credit card interest rate, including by calling your card issuer to negotiate a lower rate.
