⚡ Bill Slayer · Credit
Lower your credit card rate with one call.
One phone call can lower your credit card APR by 5–10 points. AI writes the script and shows exactly how much you'll save in interest.
5–10%
avg APR cut
$500+/yr
interest saved
10 min
call time
$9.00
$24.00
SAVE 63%
One-time purchase · Instant access · Any card
🛡️ 30-day money-back guarantee
🔒 Secure checkout via Stripe
⚡ Instant delivery to your email
The Problem
Every month at high APR costs you money — and it's negotiable.
Average credit card APR is 24% — most people never ask to lower it
You're paying $240/year in interest for every $1,000 of balance. A 5-point reduction saves you $50 per $1,000 per year.
Credit card companies lower rates for 70% of people who ask
They'd rather keep you as a customer at a lower rate than lose you. But they won't offer it — you have to call.
Most people are too intimidated to call and negotiate
You think they'll say no, or you don't know what to say. So you keep paying 24% interest on a rate that could be 15%.
Balance transfer offers hide the real cost
0% for 18 months sounds great until the 3% transfer fee and 28% post-promo rate hit. Sometimes lowering your current rate is smarter.
What You Get
Lower rate, less interest, faster payoff.
📊
Rate Analysis
Current APR, what you should be paying based on your credit, and exactly how much the current rate costs you monthly.
📞
Negotiation Script
Word-for-word script with responses to every objection. What to say if they offer too little or say no.
💰
Interest Savings Calculator
See exactly how much a lower rate saves you per month and per year. The number is usually motivating.
🔄
Balance Transfer Guide
When transfer makes sense, which offers are actually good, and how to avoid the hidden traps.
📅
Annual Rate Check Reminder
Set up a yearly call to keep your rate competitive. Rates change — your vigilance shouldn't stop.
♾️
Unlimited Use Forever
Multiple cards? Call each one. Rates go up? Call again. One purchase, lifetime access.
How It Works
10-minute call, $500+ saved in interest.
1
Enter your card details
Card issuer, current APR, balance, and credit score range. About 2 minutes.
⏱ ~2 minutes
2
AI builds your negotiation kit
Rate analysis, call script, savings calculator, and backup strategies.
⏱ ~3 minutes
3
Call your card company
Follow the script. Most calls take under 10 minutes. 70% success rate on the first try.
⏱ 10 min call
70%
of users successfully lower their APR on the first call
5–10%
avg APR reduction
$500+
annual interest saved
10 min
total call time
Questions
Everything you need to know.
How does the personalization work?
Enter your card, APR, and credit score. The script references YOUR payment history and competing card offers to build the strongest case.
What if they say no?
Script includes escalation — supervisor request, threat to close the account, and balance transfer as leverage. Most issuers reconsider.
Will this affect my credit score?
No. Asking for a rate reduction does NOT trigger a hard inquiry. Zero risk to your score.
I have multiple cards. Should I call all of them?
Yes. The script works for any issuer. Lower each one and the savings compound.
Is this a subscription?
No. One-time purchase of $9. Lifetime access.
Reviews
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