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Debt and Credit

Paying it off without shame, building credit without fear.

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How to lower your credit card APR with one phone call (the exact script I use)

Sep 6, 2026

•

3 min read

How to lower your credit card APR with one phone call (the exact script I use)

Ten minutes on a weekday morning, a calm voice, and a sentence most people never say out loud.

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