100 best money moves you can make
Our annual guide to the best stocks and funds, credit cards, career moves, retirement strategies, and much more.
53-55. Best way to get a better credit card rate
Why: Issuers want to cut risk, so an excellent score is good leverage.
"I'd like to make yours my primary card, but I have better offers."
Why: The more you charge, the more the issuer makes in merchant fees, says Bill Hardekopf of LowCards.com.
"May I speak to your supervisor?"
Why: She'll have more authority to cut a deal.
NEXT: 56. Best savings account
