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If your card does not offer an incentive like this, call your credit card company and ask if it can be added.<br><br>Find out if the interest rate on a new card is the regular rate, or if it is offered as part of a promotion. Many people do not realize that the rate that they see at first is promotional, and that the real interest rate may be a significant amount more than that.<br><br>Before you get something online with a credit card, be sure that you can trust the seller. Try calling the listed phone numbers to ensure the company is in business and always avoid purchases from companies that do not have a physical address listed.<br><br>In order to minimize your credit card debt expenditures, review your outstanding credit card balances and establish which should be paid off first. A good way to save more money in the long run is to pay off the balances of cards with the highest interest rates. 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This nonprofit organization offers many low, or no cost services, to those who need a repayment plan in place to take care of their debt, and improve their overall credit.