Bank won’t lower your APR? Here are other ways to take control of credit-card debt.

1. Current average APR is 27.24%, affecting cardholders' financial decisions. 2. 83% of borrowers negotiating APR successfully in recent surveys. 3. Banks are cautious in interest rate adjustments due to economic uncertainties. 4. Strategies exist for negotiating fees beyond just APR requests. 5. Personal loans may be a last-resort option for high-interest debt consolidation.