My outlet for low interest credit cards
Customers suffered no penalties if their credit card issuer refused to lower their interest rates. As long as you are civil, requesting a lower interest rate is a risk free method of improving your interest rate with an excellent chance of succeeding. The same method can be useful for convincing your credit card company to waive your annual fee. If you would like a different due date or want to transfer to a different rewards program, you do not even have to claim you are planning to leave for a different company. Just ask politely.