<prompt> Human: I have a Chase card that I opened in February. It is a rewards card and I signed up with a promotion, so the APR was ridiculous, 22.49. My credit score at the time was around 700 and it has since gone above 720. I have never carried a balance nor paid interest on my monthly statements on this card. I have never made a late payment in my life, so I figured I could at least open a discussion about lowering this ridiculous APR in case I screw up somewhere along the line the card has great bennies, and I use it as a charge card for those, but its still stressful to have a potential 22.49 APR hanging over my neck even if I never pay it.When I spoke with a Chase customer representative, he told me that I would have to discuss a rate reduction with one of the credit reporting firms. I didnt have information on hand to dispute this but it didnt sound right. After hanging up, I confirmed that it is the credit card company that establishes your loan rate and not reporting firms, and it is they who would negotiate APR with the credit-holder.Given the apparent gap between expectation and reality, is there something Im missing? Is there a more effective way I can go about this?  <response>: They can lower it, but 4 months of payments and a 20 point increase to your score which may not be the same score they use is irrelevant. Wait a year or get your score to 760 and try again. Until then, as everyone else said, who cares? 