How can I lower my interest rates on my credit card and mortgage?

I called B of A, politely explained that I was working on my finances, and asked them to lower my rate. I explained that I knew I had late payments, and was resolving the problem by embracing online bill-paying. I was prepared to say I was going to get a better rate from another company, but did not have to.

Just call them. If one rep says No, call again later. More.

I cant really gove you an answer,but what I can give you is a way to a solution, that is you have to find the anglde that you relate to or peaks your interest. A good paper is one that people get drawn into because it reaches them ln some way.As for me WW11 to me, I think of the holocaust and the effect it had on the survivors, their families and those who stood by and did nothing until it was too late.