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Despite a very good credit score, I am having trouble getting creditors to lower my interest rate. I am thinking it may be preferable to simply abandon some of my credit cards, having sought and found new ones with lower rates. I do also know that the length of time for which one has had a credit card can affect one's credit score (I take it having a good record over a longer period means a better score). I am just wondering what kind of an effect I can expect from replacing my present cards with different ones, and whether I would be better advised to conduct such a process gradually (over half a year or a year) or simply get a new set of them?
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