Customer Service: How may I help you?
You: I’ve been a good customer with you for several years, but I really need a lower rate on my credit card. Can you help me?
Possible Customer Service Response: Let me see what I can do for you. I’m allowed to lower your rate from 15% to 9%. Will that work for you?
You: Yes, that’s great! Thank you.
Another Possible Customer Service Response: I’m sorry I’m unable to lower your interest rate at this time.
You: That’s fine. May I speak with a supervisor?
Then repeat the script with a supervisor. If the supervisor can’t or won’t lower your interest rate, then simply say thanks for your help and wait a few months before trying again.