Lower cardinterest
Rate cuts, 0% transfers and hardship programs, about 6.3 points off on average
LEARN MORELet AIcall your bankand lower yourcard rate
Haggle calls your card issuer, waits on hold and negotiates a lower APR, and you pay only after you save
94%
of annual fee waiver requests succeed
$609
a year saved on one card from a single call
40 min
on hold that you never sit through
$1,135
saved in a typical year with Haggle
Almost everyone who asks wins, almost nobody asks
Banks cut the rate for 84% of people who call, yet fewer than one in four cardholders ever pick up the phone
Asked their bank
LendingTree, 2026
%
got a lower APR, out of every 100 who asked
Ever asked for a lower rate
Share of cardholders
in 4
APR after one call
Average cut
pts
Typical22%
After one call15.7%
Carry a balance
Month to month
%
Retention team
Every big bank has one, and it can cut your rate
Haggle asks for it by name
A credit card is a trap with no end date
Americans owe a record $1.29T on cards, and paying the minimum keeps most of it working for the bank
M
Maria, 34
Teacher in Columbus, Ohio · two kids
“I’m scared to call, I don’t know what to say, and forty minutes on hold with two kids around just isn’t happening”
- Chase Freedom
- $8,400 · 27.24%
- Capital One
- $3,100 · 29.99% · $95 fee
- Credit score
- 668
- Pays each month
- The minimum
$8,000 at 24%, paying only the minimum
The minimum is 1% of the balance plus interest, never less than $25
23 years of minimum payments
$22,900 paid in total
$8,000debt
$14,900interest
Your first $240 payment
Most of it never touches the debt
$160to interest
$80to the debt
By law this math is printed on every statement, Haggle reads it straight from yours
Your bank would rather say yes
A customer carrying a balance is the most profitable one, so every big bank keeps a retention team that is allowed to cut your rate before you leave
84% get a rate cut94% get the fee waived
What the bank earns in a year on $8,000 at 20%
Nothing changes
$1,600
You leave for a 0% card
$0
Rate cut to 15%
Your win$1,200
What Haggle wins for you
Haggle doesn’t hand you advice, it picks up the phone, waits on hold, negotiates and keeps watching
LEARN MORE
Higher creditscore
Lower utilization, limit increases and goodwill removals
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Fees backand bonuses
Annual fees waived in 94% of asks, late fees refunded, retention offers
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Price hikesblocked
When a promo ends or a rate goes up, Haggle calls again
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From statement to phone call
You upload a statement and say yes on the call, Haggle does everything in between
- You
Upload astatement
A PDF or a photo, we pull rates, balances and due dates
- Haggle
See whatyou lose
$3,313 a year in interest and fees, priced lever by lever
- You approve
Pick yourplan
Rate cut, fee waiver, limit increase, then a 0% transfer
- Haggle + you
Haggle callsthe bank
Waits on hold, then brings you in to verify it’s you
- You
Pay onlyon a win
Billed only after the bank says yes
- Haggle
We keepwatching
A promo ending or a rate hike triggers a new call
Be the bank, we’ll call you
Type your number and Haggle rings your phone for real. Play the Chase rep, try to say no, and watch the transcript live on screen
Call my phone
A practice call with sample data, to +1 and +7 numbers. No phone handy? Type the call in your browser.
Pay only when you save
No win, no charge, your card is billed only after the bank says yes
Pay per win
The default for everyone
20%
of first-year
savings
Charged per win, after the bank says yes- No win, no payment
- Every lever included, from APR to fees
Unlimited
Best if you win more than 2 or 3 times a year
$14.99
per
month
No fee per win- Cards, internet, phone and insurance
- Price-hike alerts and repeat calls
A typical year
Four wins, billed per win at 20%
| Win | Saved | Fee |
|---|---|---|
| Lower APR | $500 | $100 |
| Annual fee waived | $95 | $19 |
| Internet after promo | $240 | $48 |
| Insurance renewal | $300 | $60 |
Saved$1,135
Paid to Haggle$227
A chatbot can’t call Chase
It can tell you what to say, but it won’t sit on hold, push past a no or notice when your rate creeps up
| What it takes | A chatbot | haggle |
|---|---|---|
| Knows what you can ask for |  Only if you ask it the right way |  Finds every lever in your statement |
| Calls and waits 40 minutes on hold | No | Yes, while you get on with your day |
| Pushes past a no to retention | No | Bank-specific playbooks |
| Notices when a rate goes up | Waits for you to come back | Watches and calls again on its own |
| Runs a plan over two years | No memory of your case | Step-by-step plan with a payoff timer |
On a real call, Haggle would get through the phone menu and wait on hold, then bring you in on a three-way call to verify, after that the agent would talk with your recorded consent. In this build every call is a practice call where you play the bank.
Haggle is upfront about both. The agent always opens by saying it is an AI assistant calling on your behalf and that the call is recorded. In this build no real bank is called: you play the bank on a practice call.
No. Haggle works from your credit card statement. It never asks for a bank login or a full card number, and it keeps only the last four digits of your card.
Then you pay nothing. The agent asks once for the retention team before it takes no for an answer, and Haggle shows you what to try next and when.
We add up what the new terms save you in the first year: the interest you no longer pay on your balance at the lower APR, plus any fee the bank waives or refunds. Haggle’s fee is 20% of that, charged only after a confirmed win.
Your bank is one call away from yes
Upload a statement and see what you could save in two minutes
