Getting Lower Credit Card Rates

Dave Ramsey's recent first stint as the money answer man on The Early Show was so successful, he came back for another one Tuesday.

The financial author and radio show host fielded questions sent in by viewers. We got so many after the first segment, we knew we were onto something!

This time, the missives involved how to get credit card companies to lower your rate, whether it's better to save for your kids' college or your own retirement, and what the best investment vehicles are for young people.

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