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Hi Hal,

I have not been able to reduce my rate, although from previous posts, some have.

When I tried it by saying that I would transfer my balance if they didn't, their response was something to the effect of "Go ahead". (This was Chase) So I did - to Citibank.

Citibank does offer several different cards. I don't know which one you have, but I have the Choice Mastercard. It has a fixed rate of 12.5% with an annual fee of $20 (easily waived if you make enough fuss). Not great, but better than the 20.5 that I had with Chase. This may be something you could look into.

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