Free · 30 seconds · no sign-up
Get the free call script + your debt-free date
84% of people who asked their card company for a lower rate got one.* 3 quick questions — then your plan, with a guided call.
Question 1 of 3
How much do you owe on credit cards?
All cards together. A rough guess is fine.
- Free
- No email
- Numbers stay on your phone
* LendingTree survey of US cardholders, 2026.
Question 2 of 3
What interest rate (APR) does your card charge?
It's on your statement or in your card's app. Not sure is fine.
How's your credit?
Your best guess. This only changes which options we show you.
Do you own a car?
Some options for limited credit use your car's value to help you qualify.
Building your plan…
Calculating your debt-free date
Matching options to your answers
Writing your call script
Welcome back! Did they lower your rate?
Your debt-free date
—
Your plan
Some options below come from partners who may pay us if you sign up — at no cost to you.
Free script
The lower-rate call script
Call the number on the back of your card. We'll walk you through it, line by line.
When will you be debt-free?
Answer 3 quick questions to see your date — and your plan B if they say no.