Learn about credit card applications
They can easily reach 3% of your balance, which can amount to a considerable charge. If you can, find an offer that waives rollover fees. The best way to roll over a balance is to find a card that offers a very low interest rate on balances rolled over or charged to the card during an introductory grace period, then maintains the low interest rate for that balance until you have paid it off. * Request a lower interest rate from your current credit card issuer. You have the best chance of succeeding with this method if you have a good credit history, have been with the issuer for a year or two, and have a few credit card offers from other companies that offer substantially lower interest rates.