Ask for a better rate. Have good credit history?

有时候适用的利率是自己要求来的— 如果你有良好的还款记录，你可以向银行提出修改利率。

youdao

CHIEF executives get no credit in good times if their companies have good credit.

经济景气时，即使公司获得良好的信誉，首席执行官们也得不到称赞。

youdao

We live in a society that is very credit prone , and it is important to have good credit.

我们生活在一个社会中，信用是很容易，但重要的是要有良好的信用。

youdao

"And I think the same way you get credit for a lot of the good things that happen, sometimes you have to take the heat for things that go wrong, even though you were not personally responsible in any of the wrong doing."

VOA: standard.2010.04.21

If you do have good credit and you get out, there's that opportunity now.

CNN: Transcript of May 'CNN Money Summit: Money & Main St.'

If you have good credit, the lender probably will be willing to waive some or even all of these costs.

WSJ: Will the Lender Cancel My Loan?

If you have good credit and your credit card APR is currently above 15%, this may be a good time to consider transferring your balance to a credit card with a lower rate.

FORBES: Tips On Transferring Your Credit Card Balance To Another Issuer