Call your credit card company and see if they will lower your interest rate. Ask to speak to a supervisor if you get rejected the first time. Be persistent and also look into balance transfer options to a new card so you can use that as leverage. Don’t be afraid of balance transfer fees if you find a good deal as the interest savings catch up quickly.
A lot of companies have built in systems to try and retain their customers when they try and cancel. Often all it takes is a soft cancellation request to be offered a better rate or extended membership. If you’re thinking about cancelling something or wish you could reduce the cost, just call and let them know you’re trying to reduce expenses and want to know their cancellation procedure. You might just get a great deal.