I called two weeks ago to request our credit card rate be reduced; they complied with a one percentage point reduction.
I’m torn on this whole issue. Because for the sake of true blue ownership — I knew the terms of this card and used it anyway, fully aware. Yet at the same time, my husband and I have been steady customers/consumers for years. I’d like to lean on our long term customer relationship with this company and re-negotiate, again, a better rate.
I’d rather my husband and I not apply for another card since it dings one’s credit report. Our available credit-to-debt ratio is reasonably healthy as well; this single VISA is our sole credit card with a balance (and the only one we utilize in emergencies).
By golly I’m knockin’ on their door again and will relay results.
More from:
CNNMoney just celebrated their 35th year; they released sound wisdom on improving one’s credit score plus included effective tips on negotiating lower credit card rates, assessing your salary is on-par with industry, & claiming tax exemptions to avoid overpayment to the Fed.
Housewifery 
You would be surprised at who you can haggle with. May dad told his cable company he got a cheaper deal and they offered his cable service at a lower price. I will have to try this will every company I do business with. In some countries you are even expected to haggle on prices such as on how much to pay for a gallon of milk.