How do you negotiate a lower interest rate on your credit card?
I'm 1 month away from paying off all my credit cards (woo-hoo!!), and I was looking to get a lower interest rate on all of them. I called them up, but they said "no". Something having to do with "they don't have a short term promotional offer to lower interest rates" and how "they don't decide whether interest rates are lowered are not - the Fed does". First - "short term promotional offer"?I told her that I wasn't looking for a "promotional offer", but a permanent change. Still no dice. She said that my credit is good and that I'm doing ALLLLLLL the right things, but I still get no change. I read online that people do this about every 6 months. This is my 2nd attempt in a year. Am I doing something wrong here?Am I not using the correct verbiage?Or should I just forget about it, make sure I pay it off every month, get a new credit card with a lower interest rate (make sure I pay it off every month AND get those travel miles/hotel points - haha!) and not worry about it too much?