{"id":53209,"date":"2018-01-02T05:00:14","date_gmt":"2018-01-02T09:00:14","guid":{"rendered":"https:\/\/www.iwillteachyoutoberich.com\/blog\/your-credit-card-interest-rate-doesnt-matter"},"modified":"2025-04-21T12:05:37","modified_gmt":"2025-04-21T16:05:37","slug":"your-credit-card-interest-rate-doesnt-matter","status":"publish","type":"post","link":"https:\/\/www.iwillteachyoutoberich.com\/your-credit-card-interest-rate-doesnt-matter\/","title":{"rendered":"How to Lower Your Credit Card Interest Rate (Scripts Included)"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"53209\" class=\"elementor elementor-53209\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-738e9293 elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"738e9293\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-29d63f38\" data-id=\"29d63f38\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-efa1deb elementor-widget elementor-widget-text-editor\" data-id=\"efa1deb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul>\n<li><a href=\"#What-are-credit-card-interest-rates\">What are credit card interest rates?<\/a><\/li>\n<li><a href=\"#exact-scripts\">The exact script to lower your credit card interest rates<\/a><\/li>\n<li><a href=\"#Why-it-doesn\u2019t-matter-if\">Why it doesn\u2019t matter if your credit card interest rate is 20% or 80%<\/a><\/li>\n<li><a href=\"#Frequently-Asked-Questions\">Frequently Asked Questions<\/a><\/li>\n<li><a href=\"#bonus\">Bonus: Get my best credit card tips<\/a><\/li>\n<\/ul>\n<p><!-- \/wp:list --><\/p>\n<p><!-- wp:paragraph --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7302c168 elementor-widget elementor-widget-text-editor\" data-id=\"7302c168\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><!-- wp:list --><\/p>\n<p>Credit cards can be an absolute nightmare. Practically, everyone has a story about <u><a href=\"https:\/\/www.iwillteachyoutoberich.com\/blog\/how-to-get-out-of-debt-fast\/\" target=\"_blank\" rel=\"noopener noreferrer\">falling into debt<\/a><\/u>, <u><a href=\"https:\/\/www.iwillteachyoutoberich.com\/blog\/how-to-stop-paying-credit-card-fees\/\" target=\"_blank\" rel=\"noopener noreferrer\">paying late fees<\/a><\/u>, or dealing with unauthorized charges.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>That\u2019s why it\u2019s so important you optimize your credit cards to make them work for you instead of the other way around.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>And while there are many different systems you can put in place to achieve this, I want to talk to you about one element of your credit card that can potentially save you hundreds a year: credit card interest rates.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Why is your credit card interest rate so important? Check out this email I got from a reader named Aaron a while back:<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:html --><\/p>\n<div style=\"background-color: #fef5c4; text-align: left; vertical-align: middle; padding: 20px 47px; margin-bottom: 30px;\">\n<blockquote>\n<p>I was fortunate enough to come out of school with no student loans, but do have $4,364.11 in credit card debt over 2 cards. One is $999.03 and the other is $3,365.08. I just started reading your book yesterday, today I called the card with the higher balance to lower my APR from 19.99%. I have had this card for almost 4 years. My Mom had been paying the minimum for a year or so, but since I became full time I took over any other bills my parents were paying. I have paid $200 the last 3 months and my minimum payment is around $89.<\/p>\n<p>Anyways, I just called and asked, (I had to do no negotiating really, I just followed the script you have in your book) and I got my APR lowered from 19.99% to 14.24%, effective immediately.<\/p>\n<p>Basically, the $13.95 my girlfriend paid for your book will more than pay for itself by the time I get my next bill.<\/p>\n<\/blockquote>\n<\/div>\n<p><!-- \/wp:html --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>AWESOME!!<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>By lowering his credit card\u2019s interest rate down just a few percentage points, he\u2019s able to pay down his credit card balance much faster. Now THAT\u2019S a Big Win.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Today, I want to give you a breakdown of your credit interest rate and the exact script you can use to lower your interest rate today.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:heading --><\/p>\n<h2 id=\"What-are-credit-card-interest-rates\">What are credit card interest rates?<\/h2>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>A credit card basically gives you a short loan for the month. If you pay it off completely during that monthly period, you don\u2019t pay for the loan \u2014 it\u2019s an<em>\u00a0interest-free <\/em>loan.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Pretty useful, right? Well, if you don\u2019t pay off the loan in its entirety \u2014 let\u2019s say you spend $1,000 on your credit card but can only pay off $500 that month \u2014 then you have a <em>balance<\/em>\u00a0on your card of $500.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Your credit card balance then has an interest charge. The size of that interest depends on what\u2019s called the Annual Percentage Rate (APR). Don\u2019t be fooled by that name either. Your credit card company uses your APR to find out how much to charge you on your statement each month.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>So in the example above, you\u2019d be charged $8.33 that month based off a 20% APR.<\/p>\n<p>($500 balance x 20% interest) \/ (12 months) = $8.33<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:html --><\/p>\n<!-- \/wp:html -->\n<p><!-- wp:paragraph --><\/p>\n<p>Your APR will vary depending on a number of factors such as what kind of card you have and how long you\u2019ve been building credit. According to a <u><a href=\"https:\/\/www.federalreserve.gov\/releases\/g19\/current\/\" target=\"_blank\" rel=\"noopener noreferrer\">Federal Reserve<\/a><\/u>\u00a0report, the average credit card interest rate is 13.8%.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>If you\u2019re a weirdo like me and REALLY want to get into the weeds of your APR, you can even calculate your <em>daily<\/em>\u00a0APR. Doing so is simple: Take your credit card interest rate and divide it by 365. Voila! You have your daily credit card interest rate.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>You can take that percentage and apply it to your credit card balance at the end of the day. That\u2019ll give you an accurate reflection of how much you owe the credit card company based off of your balance.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>If you\u2019re currently working to get out of credit card debt, this number could make a world of difference in how much you\u2019re paying off each month. That\u2019s why you\u2019re going to want to <em>lower <\/em>your credit card interest rates. Lucky for you, I have the exact script to do it.<!-- \/wp:paragraph --><\/p>\n<p><!-- \/wp:cover --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-406fb66 elementor-widget elementor-widget-heading\" data-id=\"406fb66\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-xl\">The world wants you to be vanilla\u2026<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6336faf elementor-widget elementor-widget-text-editor\" data-id=\"6336faf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u2026but you don\u2019t have to take the same path as everyone else. How would it look if you designed a Rich Life on your own terms? Take our quiz and find out: <!-- notionvc: d492eb64-54e1-4f66-bb35-749e698bb2fc --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-59161ef elementor-widget elementor-widget-button\" data-id=\"59161ef\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.iwillteachyoutoberich.com\/rich-life-quiz\/%20\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Take the Quiz<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-25fef56 elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"25fef56\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-558092c\" data-id=\"558092c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d107ef9 elementor-widget elementor-widget-text-editor\" data-id=\"d107ef9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2 id=\"exact-scripts\">The exact script to lower your credit card interest rates<\/h2>\n<p>Since the average APR is typically somewhere between 12% and 15%, it can be extremely expensive to carry a balance on your card.<\/p>\n<p>Think of it like this: The average long-term return on investments in the stock market is around 8%. If you could get a\u00a0<em>14% return on your investments,\u00a0<\/em>you\u2019d be thrilled!<\/p>\n<p>That\u2019s exactly what credit card companies all over the world are doing. You want to avoid the black hole of credit card interest payments so\u00a0<em>you\u00a0<\/em>can earn money \u2014 and not give it to the credit card companies.<\/p>\n<p>That\u2019s why you should call your credit card company and ask them to lower your APR.<\/p>\n<p>Here\u2019s a simple script you can follow to help you.<\/p>\n<p><strong>YOU: <\/strong>Hello, I\u2019d like to lower the APR on my credit card, please.<\/p>\n<div>\n<p><strong>CREDIT CARD REP:\u00a0<\/strong>Umm&#8230;why?<\/p>\n<p><strong>YOU:\u00a0<\/strong>I\u2019ve been a loyal customer to you for X years. Also, I\u2019ve paid my bill in full and on time for the past few months. I know a few other credit cards offering better rates than what I\u2019m getting right now, and I\u2019d hate for this interest rate to drive me away from your service. What can you do for me?<\/p>\n<p><strong>CREDIT CARD REP:\u00a0<\/strong>Hmm. Let me check&#8230;Mr. Sethi, I just discovered that I can lower your rate from 15% to 12%. Will this work?<\/p>\n<\/div>\n<p>When the conversation is finished, follow these three very important steps:<\/p>\n<ul>\n<li><strong>Step 1:\u00a0<\/strong>Hang up the phone.<\/li>\n<li><strong>Step 2:\u00a0<\/strong>Hold up one hand above your head.<\/li>\n<li><strong>Step 3:\u00a0<\/strong>Use your other hand to high five yourself because you just successfully negotiated a lower APR.<\/li>\n<\/ul>\n<p>This is a quick and easy way to get a Big Win with one phone call, BUT it\u2019s also completely unnecessary.<\/p>\n<p>BONUS: If you want even more tactics you can use to optimize your credit cards, check out the 2-minute video below, which was recorded in approx. 1976.<\/p>\n<p><\/p>\n<p>It\u2019s important to note: Your credit card interest rates don\u2019t matter. I\u2019ve gotten some heat for this idea but I don\u2019t care. At the end of the day, it shouldn\u2019t matter how much your APR is.<\/p>\n<h2 id=\"Why-it-doesn\u2019t-matter-if\">Why it doesn\u2019t matter if your credit card interest rate is 20% or 80%<\/h2>\n<p>It\u2019s simple: I never carry a balance on my credit card \u2014 and neither should you. When it comes to making purchases, if I can\u2019t pay it off at the end of the month, I don\u2019t buy it.<\/p>\n<p>Let\u2019s say you have a $10,000 balance on your credit card and you pay the minimum amount, which is around 2.5% every month. How much will it actually cost you? The answer is shocking. Get ready!<\/p>\n<p>If you only paid the minimum on your $10,000 balance, it would take you 452 months (over 8 years!) and cost you over $19,000 in interest alone.<\/p>\n<p>In other words, you\u2019d pay around $30,000 for a $10,000 balance.<\/p>\n<p>That\u2019s if you just pay the minimum monthly payment. How about if you pay the same amount every month so that you pay down the balance faster over time?<\/p>\n<p>Let\u2019s take the same $10,000 balance and pay $250 off every month.<\/p>\n<center><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone wp-image-24103\" src=\"https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/credit-card-payment-calculator-results-1024x680-1.png\" alt=\"results 1024x680 1\" width=\"600\" height=\"680\" \/><\/center>\n<p>It will cost you more than $6,000 in interest and take you 67 months to pay off the balance. Even if you don\u2019t buy another thing in that time!<\/p>\n<p>This is why credit card companies are so incredibly profitable, especially with young people who don\u2019t know any better.<\/p>\n<p>The point is pretty obvious:<\/p>\n<ol>\n<li>Don\u2019t carry a balance (if you do, pay it off as quickly as you can).<\/li>\n<li>Pay the maximum possible on your balance every time.<\/li>\n<li>If you can\u2019t pay off a purchase by the end of the month, don\u2019t buy it.<\/li>\n<\/ol>\n<p>\u201cBut Ramit,\u201d people say, \u201cwhat about homes and college and cars? How can I pay that off in one month?\u201d Yes, true, those very expensive purchases necessitate some kind of longer-term loan. But not with your credit card.<\/p>\n<p>So when I hear people excited about their introductory interest rate (\u201cIt\u2019s 0% for 6 months!!\u201d), I\u2019m not really impressed. As long as you pay your balance in full every month, your credit card interest rate is meaningless.<\/p>\n<h2 id=\"Frequently-Asked-Questions\">Frequently Asked Questions:<\/h2>\n<h4>Do you pay APR (Annual Percentage Rate)\u00a0 if you pay on time?\u00a0<\/h4>\n<p>If you pay your credit card bill off on time and in full every month, your APR won&#8217;t apply. If you pay your bill on time but not in full, you&#8217;ll be charged interest on your remaining balance.<\/p>\n<h4>How fast does your credit build with a credit card?<\/h4>\n<p>If you pay your bill on time and otherwise manage your finances responsibly, you can rebuild from a bad credit score (300-639) to a fair credit score (640-699) in approximately 12-18 months.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c0b1e40 elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"c0b1e40\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-10f10be\" data-id=\"10f10be\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cd4da21 elementor-widget elementor-widget-qi_addons_for_elementor_blockquote\" data-id=\"cd4da21\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"qi_addons_for_elementor_blockquote.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"qodef-shortcode qodef-m qodef-qi-blockquote qodef-layout--top qodef--\">\n\t\t\t\t<h4 class=\"qodef-m-text\">\n\t\t\tIf you liked this post, you\u2019d LOVE my Ultimate Guide to Personal Finance\t\t<\/h4>\n\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f137de9 elementor-widget elementor-widget-text-editor\" data-id=\"f137de9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>It\u2019s one of the best things I&#8217;ve published, and totally free \u2013 just tell me where to send it:<!-- notionvc: 841c5376-5320-4532-8de0-c16c3d7e0c1e --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cbc55fd elementor-widget elementor-widget-qi_addons_for_elementor_wp_forms\" data-id=\"cbc55fd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"qi_addons_for_elementor_wp_forms.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"qodef-shortcode qodef-m qodef-qi-wp-forms\">\n\t<div class=\"wpforms-container wpforms-container-full\" id=\"wpforms-53563\"><form id=\"wpforms-form-53563\" class=\"wpforms-validate wpforms-form\" data-formid=\"53563\" method=\"post\" enctype=\"multipart\/form-data\" action=\"\/wp-json\/wp\/v2\/posts\/53209\" data-token=\"616c9873956056bb406a67057db9d712\" 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class=\"wpforms-field wpforms-field-hidden\" data-field-type=\"hidden\" data-field-id=\"14\"><input type=\"hidden\" id=\"wpforms-53563-field_14\" name=\"wpforms[fields][14]\" value=\"{entry_page}\"><\/div><div id=\"wpforms-53563-field_20-container\" class=\"wpforms-field wpforms-field-html\" data-field-type=\"html\" data-field-id=\"20\"><div id=\"wpforms-53563-field_20\"><strong>If you like this post, you'd love my Ultimate Guide to Personal Finance<\/strong><\/div><\/div><div id=\"wpforms-53563-field_21-container\" class=\"wpforms-field wpforms-field-html\" data-field-type=\"html\" data-field-id=\"21\"><div id=\"wpforms-53563-field_21\">It\u2019s one of the best things I\u2019ve published (and 100% free), just tell me where to send it:<\/div><\/div><div id=\"wpforms-53563-field_10-container\" class=\"wpforms-field wpforms-field-name\" data-field-type=\"name\" data-field-id=\"10\"><label class=\"wpforms-field-label wpforms-label-hide\" for=\"wpforms-53563-field_10\">First Name <span class=\"wpforms-required-label\">*<\/span><\/label><input type=\"text\" id=\"wpforms-53563-field_10\" class=\"wpforms-field-medium wpforms-field-required\" name=\"wpforms[fields][10]\" placeholder=\"First Name\" required><\/div><div id=\"wpforms-53563-field_11-container\" class=\"wpforms-field wpforms-field-email\" data-field-type=\"email\" data-field-id=\"11\"><label class=\"wpforms-field-label wpforms-label-hide\" for=\"wpforms-53563-field_11\">Email <span class=\"wpforms-required-label\">*<\/span><\/label><input type=\"email\" id=\"wpforms-53563-field_11\" class=\"wpforms-field-medium wpforms-field-required\" data-rule-restricted-email=\"1\" name=\"wpforms[fields][11]\" placeholder=\"Email Address\" spellcheck=\"false\" required><\/div><div id=\"wpforms-53563-field_19-container\" class=\"wpforms-field wpforms-field-html\" data-field-type=\"html\" data-field-id=\"19\"><div id=\"wpforms-53563-field_19\">Along with the guide, I'll also send you my Insiders newsletter where I share other exclusive content that's not on the blog.<\/div><\/div><\/div><!-- .wpforms-field-container --><div class=\"wpforms-submit-container\" ><input type=\"hidden\" name=\"wpforms[id]\" value=\"53563\"><input type=\"hidden\" name=\"page_title\" value=\"\"><input type=\"hidden\" name=\"page_url\" value=\"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts\/53209\"><input type=\"hidden\" name=\"url_referer\" value=\"http:\/\/www.iwillteachyoutoberich.com\/your-credit-card-interest-rate-doesnt-matter\/\"><button type=\"submit\" name=\"wpforms[submit]\" id=\"wpforms-submit-53563\" class=\"wpforms-submit\" data-alt-text=\"Sending...\" data-submit-text=\"Send me the guide!\" aria-live=\"assertive\" value=\"wpforms-submit\">Send me the guide!<\/button><\/div><\/form><\/div>  <!-- .wpforms-container --><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>I\u2019m tired of people bragging about their low credit card interest rates. Here\u2019s why I don\u2019t care if your credit card interest rate is 5% or 80%.<\/p>\n","protected":false},"author":8,"featured_media":89146,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","om_disable_all_campaigns":false,"_lmt_disableupdate":"no","_lmt_disable":"","_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[160],"class_list":["post-53209","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-finance"],"acf":[],"aioseo_notices":[],"modified_by":"ljknoll95@gmail.com","_links":{"self":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts\/53209","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/comments?post=53209"}],"version-history":[{"count":0,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts\/53209\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/media\/89146"}],"wp:attachment":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/media?parent=53209"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/categories?post=53209"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}