Yes, it’s that simple! You can negotiate a lower rate by calling your credit card company or loan lender. With this method, most people who try are successful.
You’re asking your lender for a favor, and no one wants to help someone who is rude or demanding. Be kind and remember the person on the other line is just doing their job.
A balance transfer card lets you consolidate your credit card debt. This is better if you’re accruing interest on multiple cards since you can put it all on one account.