Ask and you shall receive

Reduce your credit card interest rate in one easy step – call your credit card provider and ask nicely. Just make a phone call saying you’ve gotten some better offers from other credit card companies and you’re going to close your account if your rates aren’t lowered. The majority of the time your credit card company will give in to your demands, simply because the credit card industry has a lot of competition and it’s a whole lot easier to retain an existing customer than to acquire a new one.
So if you want to lower your credit card interest rate, give it a shot. At worst, they’ll refuse and you’ll only lose a few minutes of your time. At best, you could get a major reduction in your interest rate.

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